Confectionery and Nut Retailers: SBA business acquisition loan data
39 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Confectionery and Nut Retailers (NAICS 445292), totaling $20.1M. Median loan $347,800, 46% lower than the all-acquisition median. 54% of these deals were franchised units.
The purchase agreement decides what you bought, not the loan approval.
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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 $670,000 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 #190 of 300 industries tracked.
- Geography. California leads with 9 loans; the top five states account for 62% of the industry's acquisitions.
- Jobs. Lenders reported 438 jobs supported across these loans, about 11.2 per acquisition, a rough proxy for the size of business changing hands.
Confectionery and Nut Retailers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 4 | $1.1M | $244,500 | |
| FY2019 | 6 | $1.7M | $184,000 | |
| FY2020 | 3 | $821K | $75,000 | |
| FY2021 | 4 | $1.9M | $508,500 | |
| FY2022 | 1 | $350K | $350,000 | |
| FY2023 | 4 | $1.8M | $349,900 | |
| FY2024 | 6 | $4.8M | $309,900 | |
| FY2025 | 2 | $1.6M | $816,500 | |
| FY2026 | 9 | $5.9M | $629,600 |
How often do these acquisition loans fail?
Fewer than 20 Confectionery and Nut Retailers 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.
Seller note standby terms and third-party consents are reviewed before closing.
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Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 9 | 23.1% | $6.5M | |
| 2 | Minnesota | 5 | 12.8% | $2.6M | |
| 3 | Florida | 4 | 10.3% | $3.9M | |
| 4 | Michigan | 4 | 10.3% | $711K | |
| 5 | Virginia | 2 | 5.1% | $697K | |
| 6 | South Carolina | 2 | 5.1% | $676K | |
| 7 | Colorado | 2 | 5.1% | $504K | |
| 8 | Utah | 1 | 2.6% | $836K | |
| 9 | Massachusetts | 1 | 2.6% | $817K | |
| 10 | Tennessee | 1 | 2.6% | $667K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 4 | 10.3% | $1M | |
| 2 | Beacon Bank and Trust | 3 | 7.7% | $3.7M | |
| 3 | Wells Fargo Bank National Association | 3 | 7.7% | $847K | |
| 4 | Customers Bank | 2 | 5.1% | $3.8M | |
| 5 | U.S. Bank, National Association | 2 | 5.1% | $1.1M | |
| 6 | Exchange Bank | 2 | 5.1% | $760K | |
| 7 | Newtek Bank, National Association | 1 | 2.6% | $825K | |
| 8 | The Cape Cod Five Cents Savings Bank | 1 | 2.6% | $817K | |
| 9 | City & County CU | 1 | 2.6% | $693K | |
| 10 | 21st Century Bank | 1 | 2.6% | $673K |
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
Franchise brands in Confectionery and Nut Retailers
54% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Kilwins Chocolates and Ice Cream Store | 11 | 52.4% | $6.4M | |
| 2 | Rocky Mountain Chocolate Factory | 6 | 28.6% | $3M | |
| 3 | Edible Arrangements | 1 | 4.8% | $350K | |
| 4 | Cold Stone Creamery | 1 | 4.8% | $345K |
Questions buyers ask
How much is a typical SBA loan to buy a business in Confectionery and Nut Retailers?
Median $347,800 across 39 acquisition loans (FY2018 to FY2026); the middle half ran $214,000 to $670,000. That is 46% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Confectionery and Nut Retailers acquisitions?
The Huntington National Bank (4), Beacon Bank and Trust (3), Wells Fargo Bank National Association (3), Customers Bank (2), U.S. Bank, National Association (2).
Are businesses in Confectionery and Nut Retailers often franchised?
Yes, often. 54% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Kilwins Chocolates and Ice Cream Store, Rocky Mountain Chocolate Factory, Edible Arrangements, Cold Stone Creamery.
How risky are SBA loans for buying a business in Confectionery and Nut Retailers?
Too few loans are old enough to measure for this industry. The all-acquisition benchmark is 3.5%.
What loan terms are common for Confectionery and Nut Retailers acquisitions?
Median term 10 years, average initial rate 7.95% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
The purchase agreement decides what you bought, not the loan approval.
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