What is the SBA loan default rate for Vending Machine Operators?

At 17.0%, Vending Machine Operators sits above the 15.4% all industry SBA default rate (charged off as a share of resolved loans), above average 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. 617 lenders actively fund this industry.

Which SBA program is best for Vending Machine Operators?

The SBA 7(a) program is the most commonly used for Vending Machine Operators businesses, accounting for the majority of approved loans. The SBA 504 program is popular for larger real estate and equipment purchases.

NAICS 454210Retail Trade

How Much Can Vending Machine Operators Businesses Get in SBA Loans?

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3,725 SBA loans totaling $656.0M have been approved for vending machine operators businesses (NAICS 454210). The average approved SBA loan is $176K, which is 48% below avg the $340K national average. 617 active lenders fund this industry with a 17.0% default rate on the matured 2018-2021 loan cohort.

Above average default risk17.0% vs 15.4% all industry avg

At 17.0%, Vending Machine Operators sits above the 15.4% all industry SBA default rate (charged off as a share of resolved loans), above average default risk relative to other SBA industries. The capital source prices this risk into rate and structure.

Quick Answer

NAICS 454210 (Vending Machine Operators) received 3,725 SBA loans worth $656.0M across 5+ states. Average loan $176K, average term 91 months, 17.0% default rate (resolved loan basis).617 active SBA approved lenders fund this industry. Most vending machine operators loans use the SBA 7(a) program. There are approximately 3,243 U.S. establishments in this industry (Census 2022).

3,725

Total SBA Loans

$656.0M

Total Volume

$176K

Avg Loan Size

48% below avg

617

Active Lenders

91 mo

Avg Term

30% below avg

14,022

Jobs Supported

Is SBA Lending Growing for Vending Machine Operators?-80% decline

112

114

118

$28.0M

$24.3M

$20.6M

$33.5M

$51.0M

$52.2M

$6.7M

$484K

$21K

$1.3M

Which SBA Program Do Vending Machine Operators Businesses Use Most?

SBA 7(a)3,636 (98%)

SBA 50489 (2%)

What Is the Best SBA Loan for Vending Machine Operators?

SBA 7(a)

The most widely used SBA program for vending machine operators businesses: flexible terms, multiple use cases

Industry avg loan: $176K

Typical term: 91 months

Historical avg rate: 6.68%

617+ lenders active in this industry

Default rate (2018 to 21 matured cohort): 17.0%

Where Are Vending Machine Operators SBA Loans Most Common?

475 loans

$72.5M

323 loans

$81.2M

202 loans

$53.0M

168 loans

$36.8M

142 loans

$30.7M

SBA Lending Activity in Vending Machine Operators

617 SBA lenders have funded 3,725 loans to vending machine operators businesses (NAICS 454210). 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

3,725

Active lenders

617

Total volume

$656.0M

Avg loan size

$176K

Browse all SBA lenders

Vending Machine Operators Industry Context

U.S. Establishments

3,243

U.S. Census Bureau · 2022

SBA Penetration

114.86%

SBA loans per establishment

Talk to PeerSense

PeerSense sources capital for vending machine operators 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 Vending Machine Operators 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

Where is the property or business

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How Does SBA Lending Work for Vending Machine Operators Businesses?

Across all SBA loan programs, 3,725 loans have been approved for businesses classified under NAICS 454210 (Vending Machine Operators), representing $656.0M in total capital deployed. The average approved loan of $176K is 48% below avg the national SBA average of $340K, with typical repayment terms of 91 months.

SBA lending for vending machine operators has contracted approximately 80% over recent fiscal years. This shift may reflect changing market conditions, industry consolidation, or tightening credit standards in this sector. However, 617 lenders remain active, maintaining competitive options for qualified borrowers.

The overwhelming majority of SBA lending for vending machine operators 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 vending machine operators file. The capital source sets the terms. The desk fee is paid at closing, never upfront.

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Frequently Asked Questions: Vending Machine Operators SBA Loans

What is the average SBA loan size for vending machine operators businesses?

Based on 3,725 approved SBA loans, the average loan size for vending machine operators (NAICS 454210) is $176K. This compares to the national SBA average of $340K across all industries.

Which SBA loan program is best for a vending machine operators business?

SBA 7(a) is the most commonly used SBA program for vending machine operators businesses. The most widely used SBA program for vending machine operators businesses: flexible terms, multiple use cases. PeerSense can analyze your specific deal to determine the optimal program.

How many lenders fund SBA loans for vending machine operators?

617 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 vending machine operators file.

What states have the most SBA lending for vending machine operators?

TX leads with 475 SBA loans and $72.5M in total volume for vending machine operators businesses. CA, FL, NY also show strong lending activity in this sector.

How does PeerSense help vending machine operators businesses get SBA loans?

PeerSense is a capital advisory firm. Talk to PeerSense about a vending machine operators file. The capital source sets the terms. No upfront fee. The desk is paid at closing.

Related Retail Trade Industries

All Other Miscellaneous Store Retailers (except Tobacco Stores)

11,465 loans · N/A

Avg: $171K

Sporting Goods Stores

10,775 loans · N/A

Avg: $198K

Gift, Novelty, and Souvenir Stores

Florists

All Other General Merchandise Stores

4,265 loans · N/A

Avg: $154K

Other Direct Selling Establishments

3,977 loans · N/A

Avg: $287K

Data aggregated from SBA loan records (1992 to 2025). Vending Machine Operators defined by NAICS code 454210. Not financial advice. PeerSense sources capital through a curated network of commercial lenders and capital sources. Consult a lending professional before making financial decisions.