SBA by industry · VT
SBA lenders for restaurants in Vermont
15 lenders made 50 SBA loans to restaurants in Vermont in the 36 months ending September 30, 2026. TD Bank, National Association made the most, with 9. The typical loan was about $70K.
- Evidence
- SBA 7(a) and 504 loans to restaurants in Vermont, NAICS 722
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 15
- SBA FOIA,
- SBA loans, 36 months
- 50
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $9.65M
- SBA FOIA,
- Last 12 months
- 7
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for restaurants in Vermont, https://lender.report/sba-lenders-for/restaurants/vermont/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| TD Bank, National Association SBA 7(a) record | Bank | Wilmington, DE | 9 | $941K | 9 | 0 | 2 |
| Community National Bank SBA 7(a) record | Bank | Derby, VT | 7 | $800K | 7 | 0 | 2 |
| Heritage Family Credit Union SBA 7(a) record | Credit union | Rutland, VT | 6 | $505K | 6 | 0 | 1 |
| OptimumBank SBA 7(a) record | Bank | Fort Lauderdale, FL | 2 | $1.10M | 2 | 0 | 0 |
| Manufacturers and Traders Trust Company SBA 7(a) record | Bank | Buffalo, NY | 2 | $55.0K | 2 | 0 | 0 |
| Mascoma Bank | Bank | Lebanon, NH | 1 | $500K | 1 | 0 | 0 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 1 | $320K | 1 | 0 | 1 |
| NBT Bank, National Association SBA 7(a) record | Bank | Norwich, NY | 1 | $320K | 1 | 0 | 0 |
| Magnifi Financial Credit Union SBA 7(a) record | Credit union | Melrose, MN | 1 | $220K | 1 | 0 | 0 |
| Beacon Bank and Trust SBA 7(a) record | Bank | Boston, MA | 1 | $200K | 1 | 0 | 0 |
| The National Bank of Middlebury | Bank | Middlebury, VT | 1 | $180K | 1 | 0 | 0 |
| KeyBank National Association SBA 7(a) record | Bank | Cleveland, OH | 1 | $100K | 1 | 0 | 0 |
| Eastrise Credit Union SBA 7(a) record | Credit union | Williston, VT | 1 | $50.0K | 1 | 0 | 0 |
| Vermont Credit Union SBA 7(a) record | Credit union | So Burlington, VT | 1 | $50.0K | 1 | 0 | 0 |
| Community Bank, National Association SBA 7(a) record | Bank | Canton, NY | 1 | $10.0K | 1 | 0 | 1 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Full-Service Restaurants | 24 |
| Limited-Service Restaurants | 7 |
| Caterers | 6 |
| Snack and Nonalcoholic Beverage Bars | 5 |
| Mobile Food Services | 4 |
| Drinking Places (Alcoholic Beverages) | 3 |
| Food Service Contractors | 1 |
| Loan size | Loans |
|---|---|
| Under $150K | 24 |
| $150K to $350K | 9 |
| $350K to $1M | 3 |
| $1M to $2.5M | 0 |
| $2.5M or more | 0 |
- SBA lenders recorded 50 loans to restaurants totaling $9.7M in Vermont in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $70K, with the middle half between $35K and $210K. SBA FOIA,
- 36 were SBA 7(a) loans and 0 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 9.50% on 36 loans. SBA FOIA,
- The median term was 9 years. SBA FOIA,
- Banks and savings institutions made 27 of the loans, credit unions 9, and non-banks 0. SBA FOIA,
- The five most active lenders made 52.0% of the loans. SBA FOIA,
- The three most active lenders were TD Bank, National Association with 9, Community National Bank with 7, and Heritage Family Credit Union with 6. SBA FOIA,
- 24 of the loans were under $150K, and 0 were $1M or more. SBA FOIA,
- 14 of these loans were made by lenders that have since merged or closed, that the file lists under a name with no lender record here, or that the loan tape shows only at a broader industry level. They are counted in the totals here and appear in no lender's row. SBA FOIA,
- The SBA file shows 7 approvals of these loans dated in the 12 months to September 30, 2026, versus 18 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 5 of the 15 lenders are based in Vermont. The rest are based elsewhere, most often in New York, Delaware and Florida. SBA FOIA,
- The most common detailed industry in Vermont was Full-Service Restaurants, with 24 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to restaurants in Vermont
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in Vermont, 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 state, 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.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
Every loan counted here carried one of these NAICS codes in the SBA file, and the state of the loan is the state of the business. 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.