SBA by industry · NAICS 722
SBA lenders for restaurants
1,218 lenders made at least one SBA loan to restaurants in the 36 months ending September 30, 2026. The Huntington National Bank made the most, with 2,483 of the 20,384 on record.
- Evidence
- SBA 7(a) and 504 first-lien loans, 36 months ending September 30, 2026
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 1,218
- SBA FOIA,
- SBA loans, 36 months
- 20,384
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $10.4B
- SBA FOIA,
- Typical loan
- $300K
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for restaurants, https://lender.report/sba-lenders-for/restaurants/, data as of September 30, 2026.
Describe a deal
See which lenders made SBA loans to restaurants, at your size and in your state. No account and no form.
| Lender | Kind | Based in | Loans | Dollars | Last 12 months |
|---|---|---|---|---|---|
| The Huntington National Bank | Bank | Columbus, OH | 2,483 | $721M | 448 |
| Newtek Bank, National Association | Bank | Miami, FL | 873 | $303M | 401 |
| Manufacturers and Traders Trust Company | Bank | Buffalo, NY | 854 | $122M | 344 |
| U.S. Bank National Association | Bank | Cincinnati, OH | 665 | $82.5M | 210 |
| Northeast Bank | Bank | Portland, ME | 515 | $81.3M | 135 |
| Readycap Lending, LLC | Non-bank | Berkeley Heights, NJ | 506 | $236M | 67 |
| TD Bank, National Association | Bank | Wilmington, DE | 464 | $97.1M | 102 |
| Live Oak Banking Company | Bank | Wilmington, NC | 417 | $410M | 157 |
| Celtic Bank | Bank | Salt Lake City, UT | 331 | $214M | 100 |
| Bank of Hope | Bank | Los Angeles, CA | 325 | $197M | 120 |
| KeyBank National Association | Bank | Cleveland, OH | 305 | $120M | 79 |
| Wells Fargo Bank, National Association | Bank | Sioux Falls, SD | 289 | $130M | 52 |
| JPMorgan Chase Bank, National Association | Bank | Columbus, OH | 275 | $112M | 50 |
| Lendistry SBLC, LLC | Non-bank | Los Angeles, CA | 256 | $56.8M | 50 |
| Zions Bancorporation, N.A. | Bank | Salt Lake City, UT | 216 | $74.2M | 94 |
| Hanmi Bank | Bank | Los Angeles, CA | 191 | $124M | 74 |
| First Bank of the Lake | Bank | Osage Beach, MO | 182 | $152M | 54 |
| Harvest Small Business Finance, LLC | Non-bank | Laguna Hills, CA | 180 | $166M | 74 |
| Byline Bank | Bank | Chicago, IL | 164 | $172M | 50 |
| Columbia Bank | Bank | Roseburg, OR | 156 | $15.4M | 63 |
| Bank of America, National Association | Bank | Charlotte, NC | 150 | $90.4M | 29 |
| Citizens Bank | Bank | Elizabethton, TN | 135 | $96.1M | 36 |
| Fifth Third Bank, National Association | Bank | Cincinnati, OH | 131 | $68.5M | 46 |
| East West Bank | Bank | Pasadena, CA | 128 | $76.7M | 50 |
| PNC Bank, National Association | Bank | Wilmington, DE | 124 | $31.5M | 21 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| State | Loans | Dollars |
|---|---|---|
| California | 2,556 | $1.43B |
| Texas | 1,577 | $1.10B |
| Florida | 1,276 | $809M |
| New York | 1,225 | $493M |
| Ohio | 892 | $284M |
| Illinois | 765 | $442M |
| Georgia | 743 | $487M |
| Pennsylvania | 742 | $335M |
| Washington | 708 | $337M |
| Michigan | 687 | $288M |
| New Jersey | 680 | $355M |
| Massachusetts | 610 | $220M |
| Colorado | 532 | $287M |
| North Carolina | 527 | $354M |
| Arizona | 428 | $251M |
| Industry | Loans |
|---|---|
| Full-Service Restaurants | 8,684 |
| Limited-Service Restaurants | 6,068 |
| Snack and Nonalcoholic Beverage Bars | 2,943 |
| Drinking Places (Alcoholic Beverages) | 1,016 |
| Mobile Food Services | 750 |
| Caterers | 599 |
| Food Service Contractors | 227 |
| Cafeterias, Grill Buffets, and Buffets | 85 |
- SBA lenders recorded 20,384 loans to restaurants totaling $10.4B in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The five most active lenders made 26.4% of those loans. SBA FOIA,
- Banks and savings institutions made 17,538 of them, credit unions 687, and non-banks 1,716. SBA FOIA,
- 273 lenders recorded 10 or more of these loans. SBA FOIA,
- 50 of these loans were made by lenders that have since merged or closed, or that the file lists under a name with no lender record here. They are counted in the totals here and appear in no lender's row. SBA FOIA,
- The SBA file shows 6,198 approvals of these loans dated in the 12 months to September 30, 2026, versus 7,636 in the prior 12 months. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- The typical SBA loans to restaurant in this group was about $300K, with the middle half between $79K and $620K. SBA FOIA,
- Lenders reported a median rate of 10.00% on 19,072 loans in this group, with the middle half between 9.00% and 11.00%. SBA FOIA,
- The median term in this group was 10 years. SBA FOIA,
- California (2,556), Texas (1,577), Florida (1,276) recorded the most of these loans. SBA FOIA,
- The most common detailed industry was Full-Service Restaurants (8,684 loans). SBA FOIA,
How this list is defined
- Measure
- SBA loans made to restaurants
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens, dated in the 36 months ending September 30, 2026 and not cancelled, whose NAICS code in the SBA file falls in NAICS 722.
- Order
- Largest first by loans in the 36 months, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
Is your institution on this list? Show your rank. It carries the date and links back to this page.
Every loan counted here carried one of these NAICS codes in the SBA file. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.