SBA lending data · fiscal year 2025
20 lenders funded snack and nonalcoholic beverage bars in Pennsylvania last year
53 SBA 7(a) loans approved under NAICS 722515. Median approval $175,000, median term 120 months, median initial rate 10.25%.
What was actually approved
Half of all approvals in this industry and state fell between $43,000 and $460,000. 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.
- 1Manufacturers and Traders Trust Company9 loans · $0.5M
- 2TD Bank, National Association8 loans · $0.8M
- 3KeyBank National Association7 loans · $3.1M
- 4Wilmington Savings Fund Society FSB5 loans · $2.6M
- 5The Huntington National Bank4 loans · $1.2M
- 6PNC Bank, National Association3 loans · $0.9M
- 7First Commonwealth Bank3 loans · $1.1M
- 8Beacon Bank and Trust2 loans · $0.3M
- 922nd State Bank, A Division of 22nd State Banking Company1 loan · $0.5M
- 10Readycap Lending, LLC1 loan · $0.5M
- 11Meridian Bank1 loan · $0.2M
- 12Northeast Bank1 loan · $0M
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 | 14 | $250,000 |
| FY2024 | 45 | 19 | $209,000 |
| FY2025 | 53 | 20 | $175,000 |
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 Pennsylvania
- Full-Service Restaurants · 123 loans
- Limited-Service Restaurants · 89 loans
- Residential Remodelers · 82 loans
- Landscaping Services · 72 loans
- Fitness and Recreational Sports Centers · 65 loans
- Plumbing, Heating, and Air-Conditioning Contractors · 65 loans
- General Freight Trucking, Local · 54 loans
- Child Care Services · 53 loans
Snack and Nonalcoholic Beverage Bars in other states
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