Snack and Nonalcoholic Beverage Bars acquisitions in Texas: SBA loan data
Since FY2018, SBA lenders have approved 53 7(a) loans to buy an existing business classified as Snack and Nonalcoholic Beverage Bars in Texas, totaling $30.1M. The median loan was $331,000. That is 1.3% of the 4,080 acquisition loans in Texas.
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How this compares
The median Snack and Nonalcoholic Beverage Bars loan in Texas is 62% lower than the $870,000 median for all Texas acquisitions, and in line with the $317,500 median for Snack and Nonalcoholic Beverage Bars acquisitions nationwide (549 loans).
This combination has too few seasoned loans for a reliable charge-off rate. Nationally, 5.9% of seasoned Snack and Nonalcoholic Beverage Bars acquisition loans were charged off, and 4.8% of seasoned Texas acquisition loans of any type.
Snack and Nonalcoholic Beverage Bars acquisition loans in Texas by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 4 | $1M | $259,000 | |
| FY2019 | 5 | $567K | $102,000 | |
| FY2020 | 4 | $556K | $140,000 | |
| FY2021 | 1 | $816K | $816,000 | |
| FY2022 | 6 | $3.7M | $582,650 | |
| FY2023 | 2 | $2.3M | $1,162,500 | |
| FY2024 | 7 | $8.7M | $422,000 | |
| FY2025 | 11 | $7M | $526,700 | |
| FY2026 | 13 | $5.4M | $335,000 |
How often do these acquisition loans fail?
Fewer than 20 Snack and Nonalcoholic Beverage Bars in Texas 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 | Bank of Hope | 6 | 11.3% | $645K | |
| 2 | Hanmi Bank | 4 | 7.5% | $1.5M | |
| 3 | United Community Bank | 3 | 5.7% | $3.7M | |
| 4 | T Bank, National Association | 3 | 5.7% | $3.3M | |
| 5 | VelocitySBA, LLC | 3 | 5.7% | $1.3M |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Great American Cookies | 3 | 5.7% | $2.3M | |
| 2 | Tropical Smoothie Cafe | 3 | 5.7% | $957K | |
| 3 | Crumbl | 2 | 3.8% | $3.9M | |
| 4 | Smoothie King | 2 | 3.8% | $1M | |
| 5 | Baskin-Robbins | 2 | 3.8% | $575K |
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Questions buyers ask
How much do SBA loans for Snack and Nonalcoholic Beverage Bars acquisitions in Texas run?
The median SBA 7(a) loan was $331,000 across 53 loans (FY2018 to FY2026), with the middle half between $210,000 and $700,000. 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 Snack and Nonalcoholic Beverage Bars acquisitions in Texas?
Bank of Hope (6), Hanmi Bank (4), United Community Bank (3), T Bank, National Association (3), VelocitySBA, LLC (3). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Snack and Nonalcoholic Beverage Bars acquisition loans fail in Texas?
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 Snack and Nonalcoholic Beverage Bars acquisitions in Texas?
32 of the 53 loans (60%) involved a franchise brand, most often Great American Cookies (3).
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Small samples move a lot: each loan in this combination is 2% of the count. Industry is the NAICS code the lender recorded. See the methodology.