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Full-Service Restaurants: SBA acquisition loans, nationwide

This page covers Full-Service Restaurants, NAICS 722511. It uses loans the SBA 7(a) file labels Change of Ownership, from FY2020 to Jun 30, 2026.

Cancelled loans are removed. Nationwide, 2,029 acquisition loans in this industry are in the file.

The busiest year was FY2025, with 384 acquisition loans.

Across all industries, the national median approved amount is $679,600. The seasoned charge-off rate is about 2% by count.

Use these as reference points for context. They are not a forecast and not a rating of this industry.

Choose a state to see local loan counts, lender activity and Census business counts.

Some states do not have enough loans to show. Those cells say so.

The file only covers SBA 7(a) loans labeled change of ownership, so it leaves out cash, seller-note and bank deals.

Read the methodology for filters, dates and known gaps.

SBA changed industry codes in 2022. The same industry can appear under an old code (loans to FY2022) and a new code (loans from FY2022). Each page shows only its own code, so neither shows the full history.

National snapshot

MeasureValueWhat it means
Acquisition loans2,029Number of 7(a) loans labeled Change of Ownership, FY2020 to Jun 30, 2026. Cancelled loans are removed.
Loans by year
  • FY2020266
  • FY2021203
  • FY2022255
  • FY2023311
  • FY2024335
  • FY2025384
  • FY2026 (to Jun 30)275
Acquisition loans by SBA fiscal year. FY2026 covers Oct 1 to Jun 30 only. Years with fewer than 10 loans are hidden.
Median approved amount$450,000The middle approved amount. Half of the loans were approved for more and half for less. Gross approved amounts, rounded to $1,000.
Middle half of approved amounts$236,000 to $881,000The range that holds the middle half of approved amounts, from the lower quarter mark to the upper quarter mark.
Total approved$1.43BThe sum of all gross approved loan amounts in this cell. These are approved amounts, not money paid out. Rounded to $0.1 million.
Term120 monthsThe median loan term, in months.
Rate8.75%The median initial interest rate.
Rate typeAbout 90% variableHow many of these loans have variable rates, rounded to the nearest 10%.
Seasoned charge-off rateAbout 2% of 100 or more seasoned loans EstimateThe share of loans approved in FY2020 to FY2022 that SBA lists as charged off, counted by loans. Charged off is a loan status, not a business closing. Older loans have had more time to be charged off. With under 100 seasoned loans, this shows a band. With under 30, it is hidden.
National charge-off rateAbout 2% EstimateThe same measure across all industries. It is about 2% by count.
Lenders in the SBA file497The number of distinct lenders that hold these loans in the SBA file. The file lists the current lender, which may not be the original lender. Counts are not a ranking or a recommendation.
Lenders holding the most loansThe Huntington National Bank 212
Hanmi Bank 108
Bank of Hope 62
Beacon Bank and Trust 33
Celtic Bank Corporation 33
PCB Bank 33
GBC International Bank 32
Manufacturers and Traders Trust Company 26
Open Bank 26
First Internet Bank of Indiana 25
Byline Bank 22
Metro City Bank 22
Plumas Bank 22
Midwest Regional Bank 21
Commonwealth Business Bank 20
Rockland Trust Company 20
Northwest Bank 19
Old National Bank 19
BMO Bank National Association 18
TowneBank 18
Live Oak Banking Company 17
Nicolet National Bank 16
East West Bank 15
Wilmington Savings Fund Society FSB 15
American Continental Bank 14
CRF Small Business Loan Company, LLC 13
Gesa CU 13
Pinnacle Bank 13
Citizens Bank 12
SouthState Bank, National Association 12
VelocitySBA, LLC 12
BayFirst National Bank 11
Centerstone SBA Lending, Inc. 11
Renasant Bank 11
Stearns Bank National Association 11
United Community Bank 11
Columbia Bank 10
Lendistry SBLC, LLC 10
Newtek Bank, National Association 10
Port 51 Lending LLC 10		Lenders that hold 10 or more loans in this cell, by count. Names come from public data.
Top countiesLos Angeles 85
Orange 59
King 50
Dallas 33
Collin 32
Pierce 31
Cook 30
Jefferson 30
Maricopa 26
Tarrant 25
Riverside 23
Fulton 22
Washington 21
Denton 20
Middlesex 19
San Bernardino 18
Snohomish 18
Gwinnett 18
Harris 17
Santa Clara 16
Fairfax 16
Clark 16
Hillsborough 14
Montgomery 14
San Diego 14
Wayne 13
Essex 13
Polk 13
Monroe 12
Hamilton 12
Lancaster 11
Greene 11
Douglas 11
Oakland 10
York 10
Monterey 10		Counties with the most acquisition loans in this cell. Counties with fewer than 10 loans are hidden.
Franchise share9.1%The share of acquisition loans in this cell that were for franchises. Hidden when fewer than 10 loans were for franchises.

Local business locations (Census 2023)

Business locations258,626Census County Business Patterns 2023: business locations, employees and annual payroll for this industry and area. Census adds small amounts of noise.
Employees5,387,020
Annual payroll$150.93B
Business locations by employee count
  • Under 567,995
  • 5 to 944,203
  • 10 to 1954,634
  • 20 to 4963,904
  • 50 to 9922,751
  • 100 or more5,099
Business locations with 10 to 49 employees118,538Census count of local business locations in that size band.

Data as of: Jun 30, 2026.

States with enough loans to show

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