SBA loans for vending machines 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
Vending Machine Operators (NAICS 445132)
494loans approved
$140,000median loan
$80K–$150Kmiddle half of loans
$72.3Mtotal approved
10%median initial rate
10 yrsmedian term
Borrowers reported 1,225 jobs created or retained.
34.2% of these loans went to franchise locations.
Loan sizes
States with the most loans
| State | Loans | Median |
|---|---|---|
| Texas | 67 | $140,000 |
| California | 48 | $140,000 |
| Florida | 36 | $150,000 |
| Colorado | 25 | $150,000 |
| Ohio | 19 | $100,000 |
| Virginia | 19 | $150,000 |
| Illinois | 18 | $125,950 |
| Tennessee | 18 | $140,000 |
| North Carolina | 18 | $150,000 |
| Michigan | 17 | $140,000 |
Most active lenders
| Lender | Loans | Median | Total |
|---|---|---|---|
| United Midwest Savings Bank National Association | 270 | $150,000 | $36.8M |
| The Huntington National Bank | 25 | $75,000 | $3.3M |
| Newtek Bank, National Association | 20 | $112,500 | $3.3M |
| Manufacturers and Traders Trust Company | 18 | $25,000 | $1.8M |
| U.S. Bank, National Association | 18 | $20,200 | $1.3M |
| Wells Fargo Bank National Association | 17 | $15,000 | $275K |
| Stearns Bank National Association | 13 | $150,000 | $2.5M |
Planning one? Read how to start a vending machines 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.