Food (Health) Supplement Retailers: SBA business acquisition loan data
34 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Food (Health) Supplement Retailers (NAICS 456191), totaling $28.3M. Median loan $416,100, 36% lower than the all-acquisition median.
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 $710,400 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 #209 of 300 industries tracked.
- Geography. Texas leads with 4 loans; the top five states account for 38% of the industry's acquisitions.
- Jobs. Lenders reported 180 jobs supported across these loans, about 5.3 per acquisition, a rough proxy for the size of business changing hands.
Food (Health) Supplement Retailers acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 4 | $1.1M | $219,400 | |
| FY2019 | 2 | $212K | $105,850 | |
| FY2020 | 2 | $3.3M | $1,671,250 | |
| FY2021 | 4 | $5.1M | $418,600 | |
| FY2022 | 1 | $1.9M | $1,936,000 | |
| FY2023 | 4 | $1.7M | $377,900 | |
| FY2024 | 1 | $290K | $289,700 | |
| FY2025 | 10 | $13.2M | $642,500 | |
| FY2026 | 6 | $1.5M | $163,500 |
How often do these acquisition loans fail?
Fewer than 20 Food (Health) Supplement 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.
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
Top states
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Texas | 4 | 11.8% | $1.2M | |
| 2 | Indiana | 3 | 8.8% | $1.6M | |
| 3 | Utah | 2 | 5.9% | $5.8M | |
| 4 | Michigan | 2 | 5.9% | $4.1M | |
| 5 | Missouri | 2 | 5.9% | $1.8M | |
| 6 | New York | 2 | 5.9% | $970K | |
| 7 | Washington | 2 | 5.9% | $930K | |
| 8 | Nebraska | 2 | 5.9% | $915K | |
| 9 | California | 2 | 5.9% | $880K | |
| 10 | Tennessee | 2 | 5.9% | $667K |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 3 | 8.8% | $853K | |
| 2 | Pathward National Association | 2 | 5.9% | $6.9M | |
| 3 | Emprise Bank | 2 | 5.9% | $915K | |
| 4 | Mountain Bizcapital, Inc. | 2 | 5.9% | $500K | |
| 5 | Union State Bank of Hazen | 2 | 5.9% | $92K | |
| 6 | Hinsdale Bank & Trust Company, National Association | 1 | 2.9% | $3.9M | |
| 7 | Bank of Utah | 1 | 2.9% | $3.9M | |
| 8 | First Internet Bank of Indiana | 1 | 2.9% | $1.9M | |
| 9 | Arvest Bank | 1 | 2.9% | $1.5M | |
| 10 | First Bank of Central Ohio | 1 | 2.9% | $944K |
Seller note standby terms and third-party consents are reviewed before closing.
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Questions buyers ask
How much is a typical SBA loan to buy a business in Food (Health) Supplement Retailers?
Median $416,100 across 34 acquisition loans (FY2018 to FY2026); the middle half ran $213,850 to $710,400. That is 36% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Food (Health) Supplement Retailers acquisitions?
The Huntington National Bank (3), Pathward National Association (2), Emprise Bank (2), Mountain Bizcapital, Inc. (2), Union State Bank of Hazen (2).
Are businesses in Food (Health) Supplement Retailers often franchised?
Sometimes. 15% of SBA acquisition loans in this industry financed a franchised unit. Top brands: .
How risky are SBA loans for buying a business in Food (Health) Supplement 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 Food (Health) Supplement Retailers acquisitions?
Median term 10 years, average initial rate 8.07% at approval (blended across years and fixed/variable structures). Terms longer than 10 years usually indicate real estate was included in the purchase.
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
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