How Much Can Snack and Nonalcoholic Beverage Bars Businesses Get in SBA Loans?
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.
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. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
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).
Is SBA Lending Growing for Snack and Nonalcoholic Beverage Bars?-29% decline
Which SBA Program Do Snack and Nonalcoholic Beverage Bars Businesses Use Most?
What Is the Best SBA Loan for Snack and Nonalcoholic Beverage Bars?
The most widely used SBA program for snack and nonalcoholic beverage bars businesses — flexible terms, multiple use cases
Where Are Snack and Nonalcoholic Beverage Bars SBA Loans Most Common?
Top SBA Lenders for Snack and Nonalcoholic Beverage Bars
These banks have funded the most SBA loans for snack and nonalcoholic beverage bars businesses (NAICS 722213). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | PNC Bank, National Association(DE) | 346 | $39.5M |
| 2 | Bank of America, National Association(NC) | 339 | $14.3M |
| 3 | Wells Fargo Bank National Association(SD) | 310 | $47.2M |
| 4 | Bank of Hope(CA) | 249 | $20.7M |
| 5 | JPMorgan Chase Bank, National Association(OH) | 211 | $19.2M |
Snack and Nonalcoholic Beverage Bars Industry Context
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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.
PeerSense specializes in matching snack and nonalcoholic beverage bars 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 — Snack and Nonalcoholic Beverage Bars SBA Loans
What is the average SBA loan size for snack and nonalcoholic beverage bars businesses?
Which SBA loan program is best for a snack and nonalcoholic beverage bars business?
How many lenders fund SBA loans for snack and nonalcoholic beverage bars?
What states have the most SBA lending for snack and nonalcoholic beverage bars?
How does PeerSense help snack and nonalcoholic beverage bars businesses get SBA loans?
Related Accommodation & Food Services Industries
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Limited-Service Restaurants
Drinking Places (Alcoholic Beverages)
Data aggregated from SBA loan records (1992–2025). Snack and Nonalcoholic Beverage Bars defined by NAICS code 722213. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.