Snack and Nonalcoholic Beverage Bars: SBA business acquisition loan data
549 SBA 7(a) loans since FY2018 financed the purchase of an existing business classified as Snack and Nonalcoholic Beverage Bars (NAICS 722515), totaling $277M. Median loan $317,500, 51% lower than the all-acquisition median. Annual volume rose 47% from FY2024 to FY2026. 54% of these deals were franchised units.
Seller note standby terms and third-party consents are reviewed before closing.
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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 $576,500 would be in the top quarter of SBA acquisition loans in this industry.
- Share of all acquisitions. This industry is 1.1% of all SBA-financed business purchases, ranking #16 of 300 industries tracked.
- Geography. California leads with 101 loans; the top five states account for 43% of the industry's acquisitions.
- Jobs. Lenders reported 8,616 jobs supported across these loans, about 15.7 per acquisition, a rough proxy for the size of business changing hands.
Snack and Nonalcoholic Beverage Bars acquisitions by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 44 | $12.6M | $221,500 | |
| FY2019 | 77 | $27.5M | $231,000 | |
| FY2020 | 49 | $18.2M | $300,000 | |
| FY2021 | 34 | $19.8M | $307,500 | |
| FY2022 | 57 | $39.6M | $350,000 | |
| FY2023 | 51 | $32.4M | $345,000 | |
| FY2024 | 60 | $37.4M | $416,000 | |
| FY2025 | 89 | $47.2M | $382,500 | |
| FY2026 | 88 | $42.6M | $322,000 |
How often do these acquisition loans fail?
Of the 204 Snack and Nonalcoholic Beverage Bars acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 12 have been charged off by the SBA, a rate of 5.9% by loan count and 2.6% by dollars. 112 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so Snack and Nonalcoholic Beverage Bars is 67% higher than the acquisition-loan average. 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 | 101 | 18.4% | $45.7M | |
| 2 | Texas | 53 | 9.7% | $30.1M | |
| 3 | Pennsylvania | 32 | 5.8% | $14M | |
| 4 | Washington | 28 | 5.1% | $9.5M | |
| 5 | Florida | 24 | 4.4% | $19.1M | |
| 6 | Ohio | 18 | 3.3% | $5M | |
| 7 | Utah | 16 | 2.9% | $8.9M | |
| 8 | Colorado | 16 | 2.9% | $5.8M | |
| 9 | Wisconsin | 16 | 2.9% | $5.8M | |
| 10 | Georgia | 15 | 2.7% | $9.1M |
Most active lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 36 | 6.6% | $12.3M | |
| 2 | Hanmi Bank | 25 | 4.6% | $16.9M | |
| 3 | Bank of Hope | 23 | 4.2% | $5M | |
| 4 | Live Oak Banking Company | 12 | 2.2% | $16.2M | |
| 5 | Stearns Bank National Association | 12 | 2.2% | $2.7M | |
| 6 | United Community Bank | 11 | 2.0% | $10.9M | |
| 7 | Newtek Bank, National Association | 10 | 1.8% | $1.9M | |
| 8 | Citizens Bank | 9 | 1.6% | $4.8M | |
| 9 | Open Bank | 9 | 1.6% | $3.8M | |
| 10 | The Bancorp Bank National Association | 8 | 1.5% | $8.6M |
Terms signed in the LOI shape the purchase agreement that follows.
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Franchise brands in Snack and Nonalcoholic Beverage Bars
54% of acquisition loans in this industry involved a franchised unit. Brands with the most SBA-financed resales:
| # | Brand | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Baskin-Robbins | 23 | 7.8% | $5.7M | |
| 2 | Crumbl | 22 | 7.5% | $33.1M | |
| 3 | Cold Stone Creamery | 18 | 6.1% | $6.5M | |
| 4 | Smoothie King | 17 | 5.8% | $11M | |
| 5 | It's Boba Time | 17 | 5.8% | $10.2M | |
| 6 | Tropical Smoothie Cafe | 15 | 5.1% | $9M | |
| 7 | Rita's Ice-Custard-Happiness | 9 | 3.1% | $2.1M | |
| 8 | Bruster's Real Ice Cream | 7 | 2.4% | $5.8M | |
| 9 | Dairy Queen | 7 | 2.4% | $3.4M | |
| 10 | Nekter Juice Bar | 6 | 2.0% | $3M | |
| 11 | Great American Cookies | 5 | 1.7% | $3.3M | |
| 12 | Yogurtland | 5 | 1.7% | $1.9M | |
| 13 | Haagen-Dazs | 5 | 1.7% | $1.5M | |
| 14 | Paris Baguette | 4 | 1.4% | $8.1M | |
| 15 | Dunkin' | 4 | 1.4% | $6.2M |
Questions buyers ask
How much is a typical SBA loan to buy a business in Snack and Nonalcoholic Beverage Bars?
Median $317,500 across 549 acquisition loans (FY2018 to FY2026); the middle half ran $175,000 to $576,500. That is 51% lower than the $645,250 median for all SBA-financed acquisitions.
Which lenders finance the most Snack and Nonalcoholic Beverage Bars acquisitions?
The Huntington National Bank (36), Hanmi Bank (25), Bank of Hope (23), Live Oak Banking Company (12), Stearns Bank National Association (12).
Are businesses in Snack and Nonalcoholic Beverage Bars often franchised?
Yes, often. 54% of SBA acquisition loans in this industry financed a franchised unit. Top brands: Baskin-Robbins, Crumbl, Cold Stone Creamery, Smoothie King, It's Boba Time.
How risky are SBA loans for buying a business in Snack and Nonalcoholic Beverage Bars?
Of 204 seasoned loans (FY2018 to FY2021), 5.9% charged off, 67% higher than the 3.5% benchmark for all SBA acquisition loans.
What loan terms are common for Snack and Nonalcoholic Beverage Bars acquisitions?
Median term 10 years, average initial rate 8.10% 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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