How Much Can Full-Service Restaurants Businesses Get in SBA Loans?
41,841 SBA loans totaling $20.2B have been approved for full-service restaurants businesses (NAICS 722511). The average approved SBA loan is $483K, which is 42% above avg the $340K national average. 1817 active lenders fund this industry with a 4.4% historical default rate.
NAICS 722511 (Full-Service Restaurants) received 41,841 SBA loans worth $20.2B across 5+ states. Average loan $483K, average term 148 months, default rate 4.4%.1817 active SBA-approved lenders fund this industry. Most full-service restaurants loans use the SBA 7(a) program. There are approximately 257,282 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Full-Service Restaurants?+22% growth
Which SBA Program Do Full-Service Restaurants Businesses Use Most?
What Is the Best SBA Loan for Full-Service Restaurants?
The most widely used SBA program for full-service restaurants businesses — flexible terms, multiple use cases
Where Are Full-Service Restaurants SBA Loans Most Common?
Top SBA Lenders for Full-Service Restaurants
These banks have funded the most SBA loans for full-service restaurants businesses (NAICS 722511). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 3,475 | $849.8M |
| 2 | U.S. Bank, National Association(OH) | 1,336 | $186.8M |
| 3 | JPMorgan Chase Bank, National Association(OH) | 1,160 | $299.2M |
| 4 | Manufacturers and Traders Trust Company(NY) | 1,031 | $160.5M |
| 5 | Bank of Hope(CA) | 870 | $349.5M |
Full-Service Restaurants Industry Context
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PeerSense places SBA loans for full-service restaurants businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Full-Service Restaurants Businesses?
Across all SBA loan programs, 41,841 loans have been approved for businesses classified under NAICS 722511 (Full-Service Restaurants), representing $20.2B in total capital deployed. The average approved loan of $483K is 42% above avg the national SBA average of $340K, with typical repayment terms of 148 months.
SBA lending for full-service restaurants is accelerating — loan volume has grown approximately 22% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
The industry sees a balanced mix of SBA programs, with 11% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
PeerSense specializes in matching full-service restaurants business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Full-Service Restaurants SBA Loans
What is the average SBA loan size for full-service restaurants businesses?
Which SBA loan program is best for a full-service restaurants business?
How many lenders fund SBA loans for full-service restaurants?
What states have the most SBA lending for full-service restaurants?
How does PeerSense help full-service restaurants businesses get SBA loans?
Related Accommodation & Food Services Industries
Full-Service Restaurants
Limited-Service Restaurants
Hotels (except Casino Hotels) and Motels
Limited-Service Restaurants
Drinking Places (Alcoholic Beverages)
Snack and Nonalcoholic Beverage Bars
Data aggregated from SBA loan records (1992–2025). Full-Service Restaurants defined by NAICS code 722511. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.