SBA loans for coffee shop businesses
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data [source] · File as of September 30, 2026 · Loans approved in federal fiscal years 2024–2026 (Oct 2023 – Sept 2026) · Imported November 4, 2026
Snack and Nonalcoholic Beverage Bars (NAICS 722515)
2,874loans approved
$290,350median loan
$75K–$525Kmiddle half of loans
$1.2Btotal approved
10%median initial rate
10 yrsmedian term
Borrowers reported 34,719 jobs created or retained.
43.4% of these loans went to franchise locations.
Loan sizes
States with the most loans
| State | Loans | Median |
|---|---|---|
| Texas | 336 | $402,500 |
| California | 330 | $291,000 |
| Florida | 211 | $432,500 |
| Ohio | 129 | $128,000 |
| New York | 128 | $159,000 |
| Georgia | 115 | $420,000 |
| Pennsylvania | 107 | $202,500 |
| Washington | 100 | $196,150 |
| Illinois | 94 | $298,750 |
| Michigan | 92 | $150,000 |
Most active lenders
| Lender | Loans | Median | Total |
|---|---|---|---|
| The Huntington National Bank | 480 | $150,000 | $141.4M |
| Newtek Bank, National Association | 129 | $150,000 | $28.1M |
| Manufacturers and Traders Trust Company | 120 | $50,000 | $17.2M |
| U.S. Bank, National Association | 82 | $37,500 | $4.9M |
| First Bank of The Lake | 77 | $533,000 | $55.3M |
| TD Bank, National Association | 74 | $25,000 | $7.1M |
| Zions Bancorporation, National Association | 58 | $150,000 | $19.1M |
| Citizens Bank | 54 | $525,400 | $31.6M |
| Keybank National Association | 50 | $260,500 | $14.6M |
| Readycap Lending, LLC | 49 | $255,000 | $18.9M |
Planning one? Read how to start a coffee shop business and model payments with the loan calculator.
What this data does — and doesn't — tell you
- Approvals, not applications. These are loans SBA approved. The data has no denials, so it cannot tell you your odds of approval.
- Loan size is not startup cost. 7(a) loans also pay for buying existing businesses, real estate, equipment, refinancing and working capital.
- Gross approval amount. Figures are the full approved loan, including the part SBA does not guarantee. Some approved loans are later reduced or never fully disbursed.
- Industry codes are assigned at approval (NAICS) and can be imprecise — a mobile detailer may be coded as a car wash, for example.
- Medians beat averages here: a few very large loans pull averages up. We show the median and the middle half (25th–75th percentile).
- No default rates. Most recent loans are still being repaid, so charge-off rates for these years would be misleading. We don't show them.
- Cancelled loans are excluded, and any group with fewer than 10 loans is hidden. We never publish borrower names.
- Lender counts aren't a quality rating. Big national lenders make many small loans; local lenders may know your market better. Talk to several, or use SBA Lender Match.