Best SBA 7(a) lenders for cafeterias, grill buffets, and buffets
The top SBA 7(a) lenders for cafeterias, grill buffets, and buffets (NAICS 722514) are Northeast Bank, Readycap Lending, LLC, The Huntington National Bank, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 145 loans totaling $101.2M to businesses in this industry. Average loan size: $698K. Average rate: 9.19%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 3.17%.
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.