14,808 SBA loans totaling $7.1B have been approved for supermarkets and other grocery (except convenience) stores businesses (NAICS 445110). The average approved SBA loan is $483K, which is 42% above avg the $340K national average. 1264 active lenders fund this industry with a 13.6% historical default rate.
The most widely used SBA program for supermarkets and other grocery (except convenience) stores businesses — flexible terms, multiple use cases
PeerSense places SBA loans for supermarkets and other grocery (except convenience) stores businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
Retainers
Down with SBA 7(a)
Terms Available
Across all SBA loan programs, 14,808 loans have been approved for businesses classified under NAICS 445110 (Supermarkets and Other Grocery (except Convenience) Stores), representing $7.1B 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 140 months.
SBA lending for supermarkets and other grocery (except convenience) stores has remained relatively stable across recent fiscal years. 1264 active lenders continue funding this sector, providing consistent access to capital for both new ventures and established businesses looking to expand.
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 supermarkets and other grocery (except convenience) stores 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.
Gasoline Stations with Convenience Stores
Beer, Wine, and Liquor Stores
Convenience Stores
Used Car Dealers
Pharmacies and Drug Stores
Automotive Parts and Accessories Stores
Data aggregated from SBA loan records (1992–2025). Supermarkets and Other Grocery (except Convenience) Stores defined by NAICS code 445110. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.