Best SBA 7(a) lenders for cafeterias, grill buffets, and buffets
NAICS 722514 — Cafeterias, Grill Buffets, and Buffets.
145 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $101.2M.
Loans
145
Total $
$101.2M
Avg loan
$698K
Avg rate
9.19%
Avg term
145 mo
Industry chg-off rate
3.17%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | Northeast Bank | 12 | $1.8M | $149K | 10.75% | — |
| 2 | Readycap Lending, LLC | 8 | $1.6M | $205K | 13.19% | 0.00% |
| 3 | The Huntington National Bank | 8 | $2.9M | $360K | 9.88% | 0.00% |
| 4 | Cadence Bank | 7 | $2.6M | $365K | 10.68% | 0.00% |
| 5 | Newtek Bank, National Association | 6 | $1.1M | $176K | 11.00% | — |
| 6 | Golden Bank, National Association | 6 | $12.1M | $2.0M | 4.90% | 0.00% |
| 7 | U.S. Bank, National Association | 4 | $275K | $69K | 9.62% | 100.00% |
| 8 | Sunflower Bank National Association | 4 | $2.7M | $667K | 6.39% | 0.00% |
| 9 | KeyBank National Association | 4 | $3.0M | $753K | 10.04% | 0.00% |
| 10 | First Savings Bank | 4 | $11.1M | $2.8M | 9.63% | 0.00% |
| 11 | Manufacturers and Traders Trust Company | 4 | $320K | $80K | 11.38% | 0.00% |
| 12 | Bangor Savings Bank | 3 | $480K | $160K | 9.42% | 0.00% |
| 13 | Live Oak Banking Company | 3 | $5.8M | $1.9M | 7.00% | 0.00% |
| 14 | East West Bank | 3 | $300K | $100K | 8.67% | 0.00% |
| 15 | Oriental Bank | 3 | $472K | $157K | 6.42% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 722514. Charge-off rates are calculated on the FY2020–FY2023 cohort only.