Limited-Service Restaurants acquisitions in New Hampshire: SBA loan data
Since FY2018, SBA lenders have approved 20 7(a) loans to buy an existing business classified as Limited-Service Restaurants in New Hampshire, totaling $6.5M. The median loan was $147,750. That is 5.8% of the 342 acquisition loans in New Hampshire.
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How this compares
The median Limited-Service Restaurants loan in New Hampshire is 55% lower than the $325,000 median for all New Hampshire acquisitions, and 58% lower than the $350,000 median for Limited-Service Restaurants acquisitions nationwide (2,222 loans).
This combination has too few seasoned loans for a reliable charge-off rate. Nationally, 5.3% of seasoned Limited-Service Restaurants acquisition loans were charged off, and 0.8% of seasoned New Hampshire acquisition loans of any type.
Limited-Service Restaurants acquisition loans in New Hampshire by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 1 | $25K | $25,000 | |
| FY2021 | 2 | $181K | $90,250 | |
| FY2022 | 1 | $55K | $54,900 | |
| FY2023 | 2 | $665K | $332,500 | |
| FY2024 | 2 | $1M | $510,000 | |
| FY2025 | 5 | $1.3M | $400,000 | |
| FY2026 | 7 | $3.2M | $165,000 |
How often do these acquisition loans fail?
Fewer than 20 Limited-Service Restaurants in New Hampshire 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.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Savings Bank of Walpole | 5 | 25.0% | $587K | |
| 2 | Merrimack County Savings Bank | 4 | 20.0% | $1.3M | |
| 3 | Manufacturers and Traders Trust Company | 2 | 10.0% | $831K | |
| 4 | Kennebunk Savings Bank | 2 | 10.0% | $190K | |
| 5 | Byline Bank | 1 | 5.0% | $1.8M |
Top franchise brands
The purchase agreement decides what you bought, not the loan approval.
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Questions buyers ask
How much do SBA loans for Limited-Service Restaurants acquisitions in New Hampshire run?
The median SBA 7(a) loan was $147,750 across 20 loans (FY2018 to FY2026), with the middle half between $50,000 and $423,750. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Limited-Service Restaurants acquisitions in New Hampshire?
Savings Bank of Walpole (5), Merrimack County Savings Bank (4), Manufacturers and Traders Trust Company (2), Kennebunk Savings Bank (2), Byline Bank (1). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Limited-Service Restaurants acquisition loans fail in New Hampshire?
Fewer than 20 loans in this combination are old enough to measure losses reliably, so no rate is shown. The national benchmark for all SBA acquisition loans is 3.5% (FY2018 to FY2021 cohort).
Are franchised businesses part of Limited-Service Restaurants acquisitions in New Hampshire?
2 of the 20 loans (10%) involved a franchise brand, most often Crumbl (1).
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Related
- All New Hampshire acquisitions
- Financing one? How to get an SBA loan to buy a fast food restaurant
- Limited-Service Restaurants nationally
- Limited-Service Restaurants in California
- Limited-Service Restaurants in Washington
- Limited-Service Restaurants in Texas
- Limited-Service Restaurants in Georgia
- Limited-Service Restaurants in Pennsylvania
- Limited-Service Restaurants in Michigan
- Limited-Service Restaurants in Illinois
- Limited-Service Restaurants in Florida
- Full-Service Restaurants in New Hampshire
- General Automotive Repair in New Hampshire
Small samples move a lot: each loan in this combination is 5% of the count. Industry is the NAICS code the lender recorded. See the methodology.