How Much Can Snack and Nonalcoholic Beverage Bars Businesses Get in SBA Loans?
9,060 SBA loans totaling $2.9B have been approved for snack and nonalcoholic beverage bars businesses (NAICS 722515). The average approved SBA loan is $318K, which is 7% below avg the $340K national average. 1028 active lenders fund this industry with a 9.5% default rate on the matured 2018-2021 loan cohort.
At 9.5%, Snack and Nonalcoholic Beverage Bars sits well below the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans), low 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 722515 (Snack and Nonalcoholic Beverage Bars) received 9,060 SBA loans worth $2.9B across 5+ states. Average loan $318K, average term 129 months, 9.5% default rate (resolved-loan basis).1028 active SBA-approved lenders fund this industry. Most snack and nonalcoholic beverage bars loans use the SBA 7(a) program.
Is SBA Lending Growing for Snack and Nonalcoholic Beverage Bars?+35% growth
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 722515). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 895 | $164.9M |
| 2 | U.S. Bank, National Association(OH) | 295 | $30.9M |
| 3 | Wells Fargo Bank National Association(SD) | 256 | $36.8M |
| 4 | TD Bank, National Association(DE) | 248 | $21.8M |
| 5 | JPMorgan Chase Bank, National Association(OH) | 214 | $34.8M |
Snack and Nonalcoholic Beverage Bars Industry Context
Ready to Fund Your Snack and Nonalcoholic Beverage Bars Business?
PeerSense places SBA loans for snack and nonalcoholic beverage bars businesses nationwide. We match you with the right capital source. Referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Financing a Snack and Nonalcoholic Beverage Bars business? Get matched to an SBA lender.
Tell us your loan amount and use of funds. We route you to the lender most likely to fund a deal in your industry.
SBA 7(a) / 504: Response within 24–48 hours. No obligation.
How Does SBA Lending Work for Snack and Nonalcoholic Beverage Bars Businesses?
Across all SBA loan programs, 9,060 loans have been approved for businesses classified under NAICS 722515 (Snack and Nonalcoholic Beverage Bars), representing $2.9B in total capital deployed. The average approved loan of $318K is 7% below avg the national SBA average of $340K, with typical repayment terms of 129 months.
SBA lending for snack and nonalcoholic beverage bars is accelerating. Loan volume has grown approximately 35% 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 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.
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
Full-Service Restaurants
Full-Service Restaurants
Limited-Service Restaurants
Hotels (except Casino Hotels) and Motels
Limited-Service Restaurants
Drinking Places (Alcoholic Beverages)
Data aggregated from SBA loan records (1992–2025). Snack and Nonalcoholic Beverage Bars defined by NAICS code 722515. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.