Best SBA 7(a) lenders for snack and nonalcoholic beverage bars
NAICS 722515 — Snack and Nonalcoholic Beverage Bars.
5,080 7(a) loans approved in this industry between FY2020 and 2025-12-31, totaling $1.93B.
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.