SBA lending data · fiscal year 2025
22 lenders funded snack and nonalcoholic beverage bars in North Carolina last year
41 SBA 7(a) loans approved under NAICS 722515. Median approval $420,600, median term 121 months, median initial rate 10%.
What was actually approved
Half of all approvals in this industry and state fell between $237,000 and $593,000. A request well outside that band is not impossible — it draws more scrutiny on collateral and management experience.
The most active lenders
Ranked by how many loans each actually approved in this industry and state — not by advertising spend. A lender that has written twenty of these already knows the questions to ask.
- 1The Huntington National Bank10 loans · $2M
- 2Citizens Bank3 loans · $1.4M
- 3ConnectOne Bank3 loans · $1.6M
- 4Newtek Bank, National Association2 loans · $0.4M
- 5First Bank2 loans · $3.2M
- 6Live Oak Banking Company2 loans · $2.3M
- 7The Fidelity Bank2 loans · $1.3M
- 8Bank of Oak Ridge2 loans · $1M
- 9Harvest Small Business Finance, LLC2 loans · $2.4M
- 10Paragon Bank1 loan · $0.9M
- 11U.S. Bank, National Association1 loan · $0M
- 12Bank OZK1 loan · $0.1M
This list is not a recommendation and these lenders have no relationship with this site. It reports approvals recorded in U.S. Small Business Administration, FOIA 7(a) and 504 loan approval data (data.sba.gov), fiscal year 2025, as of 2026-06-30.
Is this industry getting easier or harder to finance?
| Fiscal year | Loans | Lenders | Median approval |
|---|---|---|---|
| FY2023 | 25 | 18 | $350,000 |
| FY2024 | 24 | 15 | $211,000 |
| FY2025 | 41 | 22 | $420,600 |
Only completed fiscal years are shown. The SBA fiscal year ends 30 September; a partial year compared against full ones makes any industry look like it is closing.
Where this comes from
The SBA publishes every approved 7(a) and 504 loan under FOIA: the lender, the borrower's state, the industry code, the amount, the term and the initial rate. We indexed 4 fiscal years of it, alongside Census and BLS data. Figures on this page are as published on 2026-06-30.
This page reports approvals. It says nothing about how many applications were declined, and it is not a prediction about yours. This site is not affiliated with, endorsed by, or approved by the U.S. Small Business Administration.
Other industries in North Carolina
- Full-Service Restaurants · 91 loans
- Limited-Service Restaurants · 70 loans
- Residential Remodelers · 48 loans
- Hotels (except Casino Hotels) and Motels · 46 loans
- Fitness and Recreational Sports Centers · 45 loans
- New Single-Family Housing Construction (except For-Sale Builders) · 40 loans
- Plumbing, Heating, and Air-Conditioning Contractors · 38 loans
- Other Personal Care Services · 38 loans
Snack and Nonalcoholic Beverage Bars in other states
Your plan can name these lenders
Every plan we build pulls this same data for your state and industry, positions your request against the real distribution of approvals, and computes the coverage ratio your deal is actually held to.
See your free preview