Best SBA 7(a) lenders for snack and nonalcoholic beverage bars
The top SBA 7(a) lenders for snack and nonalcoholic beverage bars (NAICS 722515) are The Huntington National Bank, TD Bank, National Association, Newtek Bank, National Association, ranked by loan volume. Between FY2020 and Q1 FY2026 (2025-12-31), the SBA 7(a) program approved 5,080 loans totaling $1.93B to businesses in this industry. Average loan size: $380K. Average rate: 8.77%. Industry-wide charge-off rate (FY2020–FY2023 cohort): 1.76%.
Loans
5,080
Total $
$1.93B
Avg loan
$380K
Avg rate
8.77%
Avg term
132 mo
Industry chg-off rate
1.76%
FY20–FY23 cohort
Top 15 lenders in this industry
| # | Lender | Loans | Total $ | Avg loan | Avg rate | Chg-off % |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 718 | $144.2M | $201K | 9.38% | 2.24% |
| 2 | TD Bank, National Association | 148 | $11.1M | $75K | 10.39% | 9.30% |
| 3 | Newtek Bank, National Association | 148 | $49.3M | $333K | 11.19% | 0.00% |
| 4 | U.S. Bank, National Association | 146 | $9.7M | $66K | 8.46% | 7.69% |
| 5 | Manufacturers and Traders Trust Company | 115 | $15.6M | $135K | 10.82% | 0.00% |
| 6 | Citizens Bank | 113 | $53.2M | $471K | 8.46% | 2.99% |
| 7 | United Community Bank | 103 | $61.2M | $594K | 7.96% | 0.00% |
| 8 | KeyBank National Association | 102 | $25.4M | $249K | 9.05% | 1.82% |
| 9 | Cadence Bank | 93 | $75.9M | $816K | 8.85% | 0.00% |
| 10 | First Bank of the Lake | 93 | $59.0M | $635K | 9.89% | 0.00% |
| 11 | Newtek Small Business Finance, Inc. | 75 | $29.0M | $387K | 8.12% | 0.00% |
| 12 | Readycap Lending, LLC | 72 | $29.8M | $413K | 10.85% | 4.55% |
| 13 | Zions Bank, A Division of | 70 | $20.4M | $292K | 8.49% | 2.86% |
| 14 | Wells Fargo Bank National Association | 59 | $6.5M | $111K | 10.23% | 2.86% |
| 15 | Northeast Bank | 55 | $5.8M | $105K | 10.86% | 0.00% |
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Methodology
Computed from the SBA 7(a) FOIA dataset (as of 2025-12-31), filtered to NAICS code 722515. Charge-off rates are calculated on the FY2020–FY2023 cohort only.