What is the SBA loan default rate for Snack and Nonalcoholic Beverage Bars?

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. The rate is measured on the resolved loans (paid in full or charged off), loans that have reached a final outcome. 1028 lenders actively fund this industry.

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 722515Accommodation & Food ServicesLending Growing

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

Name: Snack and Nonalcoholic Beverage Bars SBA Loan Performance Data (NAICS 722515)
Creator: PeerSense
License: https://peersense.com/terms-and-conditions

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.

Low default risk9.5% vs 15.4% all industry avg

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. The capital source prices this risk into rate and structure.

Quick Answer

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.

9,060

Total SBA Loans

$2.9B

Total Volume

$318K

Avg Loan Size

7% below avg

1,028

Active Lenders

129 mo

Avg Term

near national avg

123,375

Jobs Supported

Is SBA Lending Growing for Snack and Nonalcoholic Beverage Bars?+35% growth

563

642

703

656

541

612

761

954

1,000

1,287

$121.1M

$131.9M

$148.5M

$159.5M

$143.2M

$232.2M

$296.3M

$376.8M

$399.1M

$551.9M

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

SBA 7(a)8,656 (96%)

SBA 504404 (4%)

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: $318K

Typical term: 129 months

Historical avg rate: 7.94%

1028+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 9.5%

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

1,244 loans

$415.0M

985 loans

$406.2M

488 loans

$218.2M

424 loans

$78.9M

388 loans

$88.5M

SBA Lending Activity in Snack and Nonalcoholic Beverage Bars

1,028 SBA lenders have funded 9,060 loans to snack and nonalcoholic beverage bars businesses (NAICS 722515). 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

9,060

Active lenders

1,028

Total volume

$2.9B

Avg loan size

$318K

Browse all SBA lenders

Snack and Nonalcoholic Beverage Bars Industry Context

U.S. Employment

16,922,000

BLS · 2026

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. It is not the lender.

SBA 7(a) / 504: The desk 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

By checking this box and submitting my information, I electronically sign and agree that PeerSense, Inc. and its affiliates, funding partners, and franchise partners may contact me at the email address and phone number I provided, including by phone call, SMS/text message (including autodialed, prerecorded, or artificial voice messages), and email, for marketing, franchise research, and funding related purposes, even if that number is on any Do Not Call list. Message and data rates may apply. Consent is not a condition of purchase. I may opt out at any time by replying STOP to texts or emailing info@peersense.com. I have read and agree to the Privacy Policy and Terms of Service.

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, 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.

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.

SBA Loan Guide SBA Calculator SBA Lender Directory Industry Data Hub Current SBA Rates Contact Us

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 9,060 approved SBA loans, the average loan size for snack and nonalcoholic beverage bars (NAICS 722515) is $318K. 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?

1028 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 1,244 SBA loans and $415.0M in total volume for snack and nonalcoholic beverage bars businesses. TX, FL, OH 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 722515. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.