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NAICS 445110Retail Trade

How Much Can Supermarkets and Other Grocery (except Convenience) Stores Businesses Get in SBA Loans?

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 20.0% default rate on the matured 2018-2021 loan cohort.

Elevated default risk20.0% vs 15.4% all industry avg

At 20.0%, Supermarkets and Other Grocery (except Convenience) Stores 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 445110 (Supermarkets and Other Grocery (except Convenience) Stores) received 14,808 SBA loans worth $7.1B across 5+ states. Average loan $483K, average term 140 months, 20.0% default rate (resolved loan basis).1264 active SBA approved lenders fund this industry. Most supermarkets and other grocery (except convenience) stores loans use the SBA 7(a) program.

14,808
Total SBA Loans
$7.1B
Total Volume
$483K
Avg Loan Size
42% above avg
1,264
Active Lenders
140 mo
Avg Term
8% above avg
190,161
Jobs Supported

Is SBA Lending Growing for Supermarkets and Other Grocery (except Convenience) Stores?

459
452
401
336
334
468
382
476
443
480
16
17
18
19
20
21
22
23
24
25
$319.7M
$288.4M
$284.4M
$218.5M
$253.8M
$489.4M
$335.9M
$349.7M
$313.2M
$430.1M

Which SBA Program Do Supermarkets and Other Grocery (except Convenience) Stores Businesses Use Most?

SBA 7(a)13,228 (89%)
SBA 5041,580 (11%)

What Is the Best SBA Loan for Supermarkets and Other Grocery (except Convenience) Stores?

SBA 7(a)

The most widely used SBA program for supermarkets and other grocery (except convenience) stores businesses: flexible terms, multiple use cases

Industry avg loan: $483K
Typical term: 140 months
Historical avg rate: 7.01%
1264+ lenders active in this industry
Default rate (2018 to 21 matured cohort): 20.0%

Where Are Supermarkets and Other Grocery (except Convenience) Stores SBA Loans Most Common?

#1
CA
2,704 loans
$1.5B
#2
NY
2,134 loans
$1.1B
#3
TX
651 loans
$393.3M
#4
MI
603 loans
$293.1M
#5
PA
581 loans
$187.5M

SBA Lending Activity in Supermarkets and Other Grocery (except Convenience) Stores

1,264 SBA lenders have funded 14,808 loans to supermarkets and other grocery (except convenience) stores businesses (NAICS 445110). 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
14,808
Active lenders
1,264
Total volume
$7.1B
Avg loan size
$483K
Browse all SBA lenders

Supermarkets and Other Grocery (except Convenience) Stores Industry Context

U.S. Employment
28,615,000
BLS · 2026

Talk to PeerSense

PeerSense sources capital for supermarkets and other grocery (except convenience) stores businesses. The capital source sets the terms. No upfront fee. Talk to PeerSense. Referral fee at closing.

$0

Retainers

10%

Down with SBA 7(a)

25yr

Terms Available

Talk to PeerSense (317) 452-6990

Talk to PeerSense about financing a Supermarkets and Other Grocery (except Convenience) Stores 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

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

How Does SBA Lending Work for Supermarkets and Other Grocery (except Convenience) Stores Businesses?

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.

Talk to PeerSense about a supermarkets and other grocery (except convenience) stores file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Supermarkets and Other Grocery (except Convenience) Stores SBA Loans

What is the average SBA loan size for supermarkets and other grocery (except convenience) stores businesses?
Based on 14,808 approved SBA loans, the average loan size for supermarkets and other grocery (except convenience) stores (NAICS 445110) is $483K. This compares to the national SBA average of $340K across all industries.
Which SBA loan program is best for a supermarkets and other grocery (except convenience) stores business?
SBA 7(a) is the most commonly used SBA program for supermarkets and other grocery (except convenience) stores businesses. The most widely used SBA program for supermarkets and other grocery (except convenience) stores businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.
How many lenders fund SBA loans for supermarkets and other grocery (except convenience) stores?
1264 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 supermarkets and other grocery (except convenience) stores file.
What states have the most SBA lending for supermarkets and other grocery (except convenience) stores?
CA leads with 2,704 SBA loans and $1.5B in total volume for supermarkets and other grocery (except convenience) stores businesses. NY, TX, MI also show strong lending activity in this sector.
How does PeerSense help supermarkets and other grocery (except convenience) stores businesses get SBA loans?
PeerSense is a capital advisory firm. Talk to PeerSense about a supermarkets and other grocery (except convenience) stores file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Retail Trade Industries

Gasoline Stations with Convenience Stores

22,132 loans · N/A
Avg: $752K

Beer, Wine, and Liquor Stores

17,295 loans · N/A
Avg: $388K

Convenience Stores

10,136 loans · N/A
Avg: $267K

Used Car Dealers

8,373 loans · N/A
Avg: $331K

Pharmacies and Drug Stores

7,953 loans · N/A
Avg: $454K

Automotive Parts and Accessories Stores

6,614 loans · N/A
Avg: $258K

Data aggregated from SBA loan records (1992 to 2025). Supermarkets and Other Grocery (except Convenience) Stores defined by NAICS code 445110. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.