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.
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. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
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.
Is SBA Lending Growing for Supermarkets and Other Grocery (except Convenience) Stores?
Which SBA Program Do Supermarkets and Other Grocery (except Convenience) Stores Businesses Use Most?
What Is the Best SBA Loan for Supermarkets and Other Grocery (except Convenience) Stores?
The most widely used SBA program for supermarkets and other grocery (except convenience) stores businesses: flexible terms, multiple use cases
Where Are Supermarkets and Other Grocery (except Convenience) Stores SBA Loans Most Common?
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.
Supermarkets and Other Grocery (except Convenience) Stores Industry Context
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PeerSense places SBA loans for supermarkets and other grocery (except convenience) stores businesses nationwide. We match you with the right capital source. Referral fee at closing.
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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.
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.
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?
Which SBA loan program is best for a supermarkets and other grocery (except convenience) stores business?
How many lenders fund SBA loans for supermarkets and other grocery (except convenience) stores?
What states have the most SBA lending for supermarkets and other grocery (except convenience) stores?
How does PeerSense help supermarkets and other grocery (except convenience) stores businesses get SBA loans?
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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.