Which SBA program is best for Snack and Nonalcoholic Beverage Bars?

The SBA 7(a) program is the most commonly used for Snack and Nonalcoholic Beverage Bars businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 722213Accommodation & Food Services

How Much Can Snack and Nonalcoholic Beverage Bars Businesses Get in SBA Loans?

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6,389 SBA loans totaling $953.7M have been approved for snack and nonalcoholic beverage bars businesses (NAICS 722213). The average approved SBA loan is $149K, which is 56% below avg the $340K national average. 838 active lenders fund this industry with a 28.2% default rate on the matured 2018-2021 loan cohort.

Elevated default risk28.2% vs 15.4% all industry avg

At 28.2%, Snack and Nonalcoholic Beverage Bars sits well above the 15.4% all industry SBA default rate (charged off as a share of resolved loans), elevated default risk relative to other SBA industries. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 722213 (Snack and Nonalcoholic Beverage Bars) received 6,389 SBA loans worth $953.7M across 5+ states. Average loan $149K, average term 97 months, 28.2% default rate (resolved loan basis).838 active SBA approved lenders fund this industry. Most snack and nonalcoholic beverage bars loans use the SBA 7(a) program. There are approximately 771,856 U.S. establishments in this industry (Census 2022).

6,389

Total SBA Loans

$953.7M

Total Volume

$149K

Avg Loan Size

56% below avg

838

Active Lenders

97 mo

Avg Term

25% below avg

61,442

Jobs Supported

Is SBA Lending Growing for Snack and Nonalcoholic Beverage Bars?-29% decline

$648K

$10K

$512K

$392K

$1.8M

$690K

$875K

Which SBA Program Do Snack and Nonalcoholic Beverage Bars Businesses Use Most?

SBA 7(a)6,218 (97%)

SBA 504171 (3%)

What Is the Best SBA Loan for Snack and Nonalcoholic Beverage Bars?

SBA 7(a)

The most widely used SBA program for snack and nonalcoholic beverage bars businesses: flexible terms, multiple use cases

Industry avg loan: $149K

Typical term: 97 months

Historical avg rate: 6.45%

838+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 28.2%

Where Are Snack and Nonalcoholic Beverage Bars SBA Loans Most Common?

832 loans

$133.0M

453 loans

$67.8M

355 loans

$46.0M

349 loans

$53.6M

289 loans

$34.1M

SBA Lending Activity in Snack and Nonalcoholic Beverage Bars

838 SBA lenders have funded 6,389 loans to snack and nonalcoholic beverage bars businesses (NAICS 722213). Which lender approves your deal depends on your location, loan size, credit profile and time in business, not on who funded someone else. PeerSense makes the introduction.

Loans funded

6,389

Active lenders

838

Total volume

$953.7M

Avg loan size

$149K

Browse all SBA lenders

Snack and Nonalcoholic Beverage Bars Industry Context

U.S. Establishments

771,856

U.S. Census Bureau · 2022

U.S. Employment

16,922,000

BLS · 2026

SBA Penetration

0.83%

SBA loans per establishment

Talk to PeerSense

PeerSense sources capital for snack and nonalcoholic beverage bars businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Snack and Nonalcoholic Beverage Bars business.

Tell us your loan amount and use of funds. PeerSense sources capital. The capital source sets the terms.

SBA 7(a) / 504: PeerSense will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

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Referral fee realized at closing · Or call (317) 452 6990

How Does SBA Lending Work for Snack and Nonalcoholic Beverage Bars Businesses?

Across all SBA loan programs, 6,389 loans have been approved for businesses classified under NAICS 722213 (Snack and Nonalcoholic Beverage Bars), representing $953.7M in total capital deployed. The average approved loan of $149K is 56% below avg the national SBA average of $340K, with typical repayment terms of 97 months.

SBA lending for snack and nonalcoholic beverage bars has contracted approximately 29% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 838 lenders remain active, maintaining competitive options for qualified borrowers.

The overwhelming majority of SBA lending for snack and nonalcoholic beverage bars uses the 7(a) program, which provides the most flexibility, covering working capital, equipment purchases, partner buyouts, debt refinancing, and business acquisitions up to $5M with terms up to 25 years.

Talk to PeerSense about a snack and nonalcoholic beverage bars file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Snack and Nonalcoholic Beverage Bars SBA Loans

What is the average SBA loan size for snack and nonalcoholic beverage bars businesses?

Based on 6,389 approved SBA loans, the average loan size for snack and nonalcoholic beverage bars (NAICS 722213) is $149K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a snack and nonalcoholic beverage bars business?

SBA 7(a) is the most commonly used SBA program for snack and nonalcoholic beverage bars businesses. The most widely used SBA program for snack and nonalcoholic beverage bars businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for snack and nonalcoholic beverage bars?

838 different SBA approved lenders have funded loans in this industry. Not all lenders are equally active in every industry. Talk to PeerSense. The capital source sets the terms for a snack and nonalcoholic beverage bars file.

What states have the most SBA lending for snack and nonalcoholic beverage bars?

CA leads with 832 SBA loans and $133.0M in total volume for snack and nonalcoholic beverage bars businesses. TX, NY, PA also show strong lending activity in this sector.

How does PeerSense help snack and nonalcoholic beverage bars businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a snack and nonalcoholic beverage bars file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Accommodation & Food Services Industries

Full-Service Restaurants

49,950 loans · N/A

Avg: $266K

Full-Service Restaurants

41,841 loans · N/A

Avg: $483K

Limited-Service Restaurants

33,710 loans · N/A

Avg: $223K

Hotels (except Casino Hotels) and Motels

30,612 loans · N/A

Avg: $1.6M

Limited-Service Restaurants

28,029 loans · N/A

Avg: $431K

Drinking Places (Alcoholic Beverages)

13,001 loans · N/A

Avg: $310K

Data aggregated from SBA loan records (1992 to 2025). Snack and Nonalcoholic Beverage Bars defined by NAICS code 722213. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.