SBA Loans for Grocery & Supermarkets
14,808 SBA loans have funded grocery & supermarkets nationwide, averaging $483K across 1,264 active SBA lenders, at an average note rate of 7.0%. SBA 7(a) loans up to $5M fund acquiring a grocery store or supermarket and refrigeration and store equipment; SBA 504 loans cover owner-occupied real estate and equipment with as little as 10% down. PeerSense reads this lending history and matches you to the lender most likely to fund a grocery store.
Published: ·Last updated: ·By Ed Freeman, Capital Advisor. PeerSense
Source: SBA 7(a) and 504 loan records (NAICS 445110), 2000 to present.
14,808
SBA Loans Funded
$483K
Average Loan
7.0%
Avg Note Rate
12 yrs
Avg Term
1,264
Active Lenders
20.0%
Charge-Off Rate (resolved-loan basis)
What grocery & supermarkets use SBA loans for
Where grocery & supermarkets get SBA financing
| State | SBA Loans | Capital Deployed |
|---|---|---|
| California | 2,704 | $1.5B |
| New York | 2,134 | $1.1B |
| Texas | 651 | $393.3M |
| Michigan | 603 | $293.1M |
| Pennsylvania | 581 | $187.5M |
SBA lenders active with grocery & supermarkets
Ranked by real SBA funding activity in California, the top state for grocery & supermarkets. PeerSense routes your deal to the lender most likely to approve and price it. You work with us, not a call list.
Get matched to an SBA lender for a grocery store.
Tell us your loan amount and use of funds. We route you to the lender most likely to fund a grocery store, anywhere in the US.
SBA 7(a) / 504, Grocery & Supermarkets: Response within 24–48 hours. No obligation.
How grocery & supermarkets qualify for an SBA loan
SBA 7(a) loans are the most common path for grocery & supermarkets financing acquiring a grocery store or supermarket. They run up to $5M, fund up to 90% of a project, and amortize over 10 years for a business purchase or up to 25 years when real estate is included. SBA 504 loans pair a bank loan with a CDC debenture for owner-occupied real estate and heavy equipment, typically at 10% down.
With 14,808 loans on record across 1,264 lenders and a 20.0% historical charge-off rate, grocery & supermarkets are a well-understood credit to SBA lenders, but not every lender is active in this profession or comfortable with its deal structure. PeerSense reads the lending history and routes your deal to the lender most likely to approve and price it, then stays with you through closing.