SBA Lenders That Actually Fund Restaurants & Food Service Businesses

Plenty of lenders say they serve every industry. The loan records say otherwise: some lenders write hundreds of restaurants & food service loans while others avoid the industry entirely. This ranking is built from what each lender approved, not what it advertises.

Most active lenders in restaurants & food service

Lender	Industry loans since 2020	Median loan (all)	Median rate	Startup share
The Huntington National Bank	4,959	$95K	9.5%	37.6%
Manufacturers and Traders Trust Company	1,218	$50K	10.49%	36.7%
U.S. Bank, National Association	1,169	$45K	8.51%	32.4%
TD Bank, National Association	979	$50K	10.55%	28.7%
Newtek Bank, National Association	962	$200K	11.25%	17.3%
Readycap Lending, LLC	909	$150K	11.25%	18.6%
Bank of Hope	715	$323K	8.5%	24.2%
KeyBank National Association	710	$100K	9.24%	66.3%
Granite State Economic Development Corporation	663	$301K	n/a	13.4%
GBank	641	$2.4M	8.25%	22.2%
Wells Fargo Bank National Association	640	$15K	9.75%	83.7%
Celtic Bank Corporation	640	$150K	10.25%	20.8%
Live Oak Banking Company	619	$785K	8.35%	22.4%
Northeast Bank	580	$103K	10.75%	11.1%
Florida Business Development Corporation	513	$445K	n/a	6%
Mortgage Capital Development Corporation	483	$744K	n/a	4%
Empire State Certified Development Corporation	472	$607K	n/a	7.8%
WBD, Inc.	451	$518K	n/a	8.3%
JPMorgan Chase Bank, National Association	407	$185K	10.65%	8%
Midwest Business Finance Corporation	402	$390K	n/a	11.6%
Florida First Capital Finance Corporation, Inc.	387	$526K	n/a	10.2%
Hanmi Bank	379	$578K	8.5%	14%
BayFirst National Bank	377	$150K	12.25%	3.2%
Citizens Bank	352	$490K	9%	68.6%
Harvest Small Business Finance, LLC	332	$770K	9.5%	19.4%

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Sources and limits. Derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records, grouped by NAICS industry classification. Figures describe past lending activity only and are not offers, quotes, or qualification decisions. Big Brain Funding is not a lender and is not affiliated with any lender listed.