Retail Trade
SBA Lenders for Food & Beverage Stores
Top lenders ranked by real SBA lending data for food & beverage stores nationwide.
What Borrowers Should Know
Food & Beverage Stores are getting better pricing than the national average. The median spread here is P+2.40% versus P+2.75% nationally—that's 35 basis points cheaper. This sector has attracted 386 active lenders competing for deals, which suggests lower risk perception and strong borrower demand that's driving rates down.
California dominates this market heavily: 4,496 of 5,078 total deals (88%) are in CA alone. The next four states combined (AZ, AL, AR, AK) account for just 581 deals. If you're not in California, you'll face much thinner lender networks and potentially longer deal timelines. The top 5 lenders control significant market share, with Bank of Hope and Commonwealth Business Bank accounting for 19% of all deals.
The average deal size of $544,579 suggests this sector attracts mostly small, single-location operators or modest multi-unit chains. If your capital need is significantly larger, you may face pushback on loan structuring or be forced to seek additional non-SBA financing. Conversely, if you need $500K–$700K, this is a well-traveled path with established underwriting precedent.
Total SBA Loans
33,447
Active Lenders
1,862
Avg Deal Size
$527K
Total Volume
$17.6B
Food & Beverage Stores SBA loans average $527K in deal size across 33,447 total loans. The median 7(a) spread in this segment is P + 2.24%.
Top Lenders for Food & Beverage Stores
Ranked by total deal count nationwide.
| # | Lender | Type | Deals | Avg Size | Spread | |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | Bank | 2,094 | $197K | P + 2.09%GOOD | |
| 2 | Bank of Hope | Bank | 1,388 | $539K | P + 2.00%GOOD | |
| 3 | Wells Fargo Bank National Association | Bank | 1,058 | $328K | P + 2.81%ABOVE AVG | |
| 4 | Manufacturers and Traders Trust Company | Bank | 1,046 | $147K | P + 2.09%GOOD | |
| 5 | U.S. Bank, National Association | Bank | 937 | $299K | P + 2.11%GOOD | |
| 6 | Hanmi Bank | Bank | 858 | $751K | P + 1.94%GOOD | |
| 7 | TD Bank, National Association | Bank | 824 | $201K | P + 2.24%GOOD | |
| 8 | Commonwealth Business Bank | Bank | 707 | $621K | P + 1.72%GOOD | |
| 9 | JPMorgan Chase Bank, National Association | Bank | 683 | $264K | P + 2.42%AVERAGE | |
| 10 | Metro City Bank | Bank | 506 | $1.8M | P + 1.65%GOOD | |
| 11 | PCB Bank | Bank | 478 | $574K | P + 1.88%GOOD | |
| 12 | NewBank | Bank | 421 | $1.1M | P + 2.27%AVERAGE | |
| 13 | KeyBank National Association | Bank | 419 | $300K | P + 2.38%AVERAGE | |
| 14 | Open Bank | Bank | 399 | $781K | P + 1.80%GOOD | |
| 15 | PNC Bank, National Association | Bank | 370 | $249K | P + 2.19%GOOD |
Top States for Food & Beverage Stores
Where food & beverage stores SBA lending is most active.