Cafeterias, Grill Buffets, and Buffets: SBA business acquisition loan data
30 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Cafeterias, Grill Buffets, and Buffets (NAICS 722514), totaling $18.1M. Median loan $347,500, 46% lower than the all-acquisition median. 30% of these deals were franchised units.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsFree consultation. All 50 states.
Reading this industry's numbers
- Deal size. The loan excludes the buyer's equity and any seller note and may include working capital. A loan request far above $601,125 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 0.1% of all SBA-financed business purchases, ranking #233 of 300 industries tracked.
- Geography. Maryland leads with 4 loans; the top five states account for 57% of the industry's acquisitions.
- Jobs. Lenders reported 730 jobs supported across these loans, about 24.3 per acquisition, a rough proxy for the size of business changing hands.
Cafeterias, Grill Buffets, and Buffets acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $455K | $227,500 | |
| FY2019 | 8 | $6.5M | $295,250 | |
| FY2020 | 5 | $3.9M | $528,000 | |
| FY2021 | 1 | $185K | $185,000 | |
| FY2022 | 0 | $0 | - | |
| FY2023 | 1 | $306K | $306,000 | |
| FY2024 | 2 | $1.9M | $950,000 | |
| FY2025 | 8 | $3.4M | $313,750 | |
| FY2026 | 3 | $1.4M | $422,300 |
How often do these acquisition loans fail?
Fewer than 20 Cafeterias, Grill Buffets, and Buffets acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
The purchase agreement decides what you bought, not the loan approval.
Request Engagement AssessmentAll 50 states. Free consultation.
Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Maryland | 4 | 13.3% | $2.2M | |
| 2 | Texas | 4 | 13.3% | $1.9M | |
| 3 | Indiana | 3 | 10.0% | $4.2M | |
| 4 | Washington | 3 | 10.0% | $2.5M | |
| 5 | Kansas | 3 | 10.0% | $2M | |
| 6 | Georgia | 3 | 10.0% | $2M | |
| 7 | New Jersey | 2 | 6.7% | $1.6M | |
| 8 | North Carolina | 2 | 6.7% | $548K | |
| 9 | New York | 2 | 6.7% | $415K | |
| 10 | Florida | 2 | 6.7% | $322K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 3 | 10.0% | $2.5M | |
| 2 | Sunflower Bank National Association | 3 | 10.0% | $2M | |
| 3 | BancFirst | 3 | 10.0% | $1.4M | |
| 4 | Manufacturers and Traders Trust Company | 3 | 10.0% | $355K | |
| 5 | Regions Bank | 2 | 6.7% | $3.6M | |
| 6 | Bank of Hope | 1 | 3.3% | $1.7M | |
| 7 | Metro City Bank | 1 | 3.3% | $1.4M | |
| 8 | Ponce Bank National Association | 1 | 3.3% | $1.3M | |
| 9 | Banc of California | 1 | 3.3% | $604K | |
| 10 | Mountain Pacific Bank | 1 | 3.3% | $550K |
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
Franchise brands in Cafeterias, Grill Buffets, and Buffets
30% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Pizza Ranch | 3 | 33.3% | $2M | |
| 2 | Cicis Pizza | 3 | 33.3% | $1.4M | |
| 3 | Golden Corral | 1 | 11.1% | $604K | |
| 4 | Duck Donuts | 1 | 11.1% | $403K | |
| 5 | Marco's Pizza | 1 | 11.1% | $185K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Cafeterias, Grill Buffets, and Buffets?
Median $347,500 across 30 acquisition loans (FY2018 to FY2026); the middle half ran $188,750 to $601,125. That is 46% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Cafeterias, Grill Buffets, and Buffets acquisitions?
The Huntington National Bank (3), Sunflower Bank National Association (3), BancFirst (3), Manufacturers and Traders Trust Company (3), Regions Bank (2).
Are businesses in Cafeterias, Grill Buffets, and Buffets often franchised?
Yes, often. 30% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Pizza Ranch, Cicis Pizza, Golden Corral, Duck Donuts, Marco's Pizza.
How risky are SBA loans for buying a business in Cafeterias, Grill Buffets, and Buffets?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Cafeterias, Grill Buffets, and Buffets acquisitions?
Median term 10 years, average initial rate 8.20% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
Advertise on this site: lenders, brokers, valuation and insurance firms. See options