Best Bars & Nightclubs SBA Lenders of 2026

Compare the top 151 SBA lenders for Bars & Nightclubs businesses. $136.6M funded in 2025. Average rate 9.98%. Get matched free.

Table of Contents

Best Bars & Nightclubs SBA Lenders of 2026

$136.6M
Total Funded

360
Loans Approved

$379K
Avg Loan Size

9.98%
Avg Interest Rate

151
Active Lenders

SBA Loans for Bars & Nightclubs Businesses

The Bars & Nightclubs industry received $136.6M in SBA 7(a) loans across 360 businesses in 2025. With 151 lenders actively funding this industry, finding the right bank can make a significant difference in your rates and approval odds.

Working with an experienced SBA loan broker who understands the Bars & Nightclubs industry can help you access lenders that specialize in your business type.

💡 Key Insight: The average SBA loan for Bars & Nightclubs businesses is $379K with an average rate of 9.98%. Lenders who specialize in this industry often offer better terms and faster approvals.

SBA Loans by Business Type

Here’s how SBA 7(a) loans break down for Bars & Nightclubs businesses by business stage:

🚀 Startups
46%
$65.3M • 165 loans

🏢 Existing Businesses
40%
$47.6M • 144 loans

🔄 Business Acquisitions
14%
$23.1M • 49 loans

Top 50 SBA Lenders for Bars & Nightclubs (2025)

These are the banks that funded the most SBA 7(a) loan volume to Bars & Nightclubs businesses, ranked by total volume:

RankLenderVolumeLoansAvg Rate
1 The Huntington National Bank$9.3M449.53%
2 Newtek Bank, National Association$9.3M2410.42%
3 Readycap Lending, LLC$5.3M1712.09%
4 Integro Bank$5.0M19.75%
5 Celtic Bank Corporation$4.0M610.00%
6 Commercial Bank of California$3.7M19.00%
7 First Internet Bank of Indiana$3.7M39.83%
8 Byline Bank$3.7M510.25%
9 Zions Bank, A Division of$3.4M119.82%
10 Dogwood State Bank$3.3M310.00%
11 U.S. Bank, National Association$3.0M78.66%
12 KeyBank National Association$2.8M99.77%
13 Northeast Bank$2.7M2211.18%
14 Climate First Bank$2.5M13.50%
15 Enterprise Bank & Trust$2.3M29.00%
16 Harvest Small Business Finance, LLC$2.2M39.83%
17 Southwestern National Bank$2.2M18.50%
18 Columbia Bank$2.2M811.22%
19 Manufacturers and Traders Trust Company$1.9M2011.06%
20 Heritage Bank Inc$1.6M19.50%
21 Flushing Bank$1.6M110.00%
22 Wilmington Savings Fund Society FSB$1.6M29.50%
23 Royal Business Bank$1.5M19.50%
24 Port 51 Lending LLC$1.5M29.88%
25 ConnectOne Bank$1.3M19.00%
26 Mountain America FCU$1.3M410.69%
27 Frost Bank$1.3M29.13%
28 American Momentum Bank$1.2M19.50%
29 First Business Bank$1.2M19.25%
30 Eastern Bank$1.2M18.50%
31 Banc of California$1.1M17.50%
32 Waukesha State Bank$1.1M210.25%
33 Magyar Bank$1.1M110.25%
34 Merchants Commercial Bank$1.1M110.50%
35 Lendistry SBLC, LLC$1.1M412.00%
36 Pinnacle Bank$1.0M19.50%
37 FFB Bank$1.0M19.00%
38 Peapack Private Bank and Trust$1.0M19.75%
39 Old National Bank$1000K17.30%
40 American Bank of Freedom$950K110.25%
41 Financial Resources Federal Credit Union$900K19.50%
42 Comerica Bank$883K17.00%
43 FNBC Bank$860K110.00%
44 Fibre FCU$858K18.00%
45 Fulton Bank, National Association$804K39.75%
46 Prosperity Bank$792K19.00%
47 Mountain Pacific Bank$773K19.00%
48 Citizens & Northern Bank$770K29.63%
49 Gulf Coast Bank and Trust Company$748K110.25%
50 Colorado Enterprise Fund$727K39.99%

🚀 Best Lenders for Bars & Nightclubs Startups

Starting a new drinking places (alcoholic beverages) business? These lenders funded the most startup loans in this industry:

RankLenderStartup VolumeLoansAvg Rate
1 The Huntington National Bank$5.3M229.41%
2 Integro Bank$5.0M19.75%
3 Byline Bank$3.6M410.25%
4 Dogwood State Bank$2.6M29.88%
5 First Internet Bank of Indiana$2.6M29.63%
6 KeyBank National Association$2.5M79.85%
7 Climate First Bank$2.5M13.50%
8 Enterprise Bank & Trust$2.3M29.00%
9 Heritage Bank Inc$1.6M19.50%
10 Newtek Bank, National Association$1.6M610.42%

🔄 Best Lenders for Bars & Nightclubs Acquisitions

Looking to buy an existing drinking places (alcoholic beverages) business? These lenders specialize in acquisition financing:

RankLenderAcquisition VolumeLoansAvg Rate
1 Readycap Lending, LLC$2.0M29.25%
2 The Huntington National Bank$1.8M89.59%
3 Flushing Bank$1.6M110.00%
4 Celtic Bank Corporation$1.4M29.88%
5 Mountain America FCU$1.3M27.62%
6 American Momentum Bank$1.2M19.50%
7 First Business Bank$1.2M19.25%
8 First Internet Bank of Indiana$1.1M110.25%
9 Merchants Commercial Bank$1.1M110.50%
10 Port 51 Lending LLC$889K110.00%

🏢 Best Lenders for Existing Bars & Nightclubs Businesses

Already running an established drinking places (alcoholic beverages) business? These lenders have funded the most loans to existing businesses in your industry:

RankLenderVolumeLoansAvg Rate
1 Newtek Bank, National Association$7.6M1710.44%
2 Commercial Bank of California$3.7M19.00%
3 U.S. Bank, National Association$3.0M68.65%
4 Readycap Lending, LLC$2.7M1213.02%
5 Harvest Small Business Finance, LLC$2.2M39.83%
6 Northeast Bank$2.2M1611.02%
7 Southwestern National Bank$2.2M18.50%
8 Columbia Bank$1.9M711.50%
9 The Huntington National Bank$1.5M129.70%
10 Celtic Bank Corporation$1.5M29.88%

Top States for Bars & Nightclubs SBA Loans

Here are the states with the highest SBA lending volume for Bars & Nightclubs businesses:

RankStateVolumeLoans
1 California$20.2M36
2 Texas$10.2M26
3 Nevada$8.4M10
4 North Carolina$8.2M14
5 Wisconsin$8.2M23
6 Pennsylvania$6.5M12
7 Illinois$6.0M11
8 New York$6.0M26
9 Washington$5.8M11
10 Indiana$5.6M8
11 New Jersey$5.0M10
12 Colorado$4.2M17
13 Florida$4.0M8
14 Ohio$4.0M26
15 South Carolina$3.5M5
16 Georgia$3.3M10
17 Michigan$2.4M12
18 Arizona$2.3M6
19 Oregon$2.0M8
20 Massachusetts$2.0M6
21 Virginia$1.8M2
22 Utah$1.8M8
23 District of Columbia$1.7M6
24 Tennessee$1.6M3
25 Minnesota$1.5M6
26 Missouri$1.4M4
27 Maryland$1.1M5
28 Virgin Islands$1.1M1
29 Kentucky$1.0M4
30 Arkansas$860K1
31 Maine$705K4
32 Nebraska$688K2
33 Montana$605K1
34 Rhode Island$489K1
35 Alabama$329K1
36 Louisiana$323K4
37 North Dakota$280K2
38 Hawaii$265K2
39 Oklahoma$257K2
40 Iowa$240K2
41 Delaware$219K1
42 Idaho$215K2
43 New Mexico$177K1
44 Connecticut$173K5
45 Kansas$160K1
46 Puerto Rico$86K1
47 Mississippi$50K1
48 West Virginia$50K1
49 Vermont$10K1

Top Cities for Bars & Nightclubs SBA Loans

Las Vegas, Nv

$7.7M
Volume

7
Loans

Chicago, Il

$4.0M
Volume

6
Loans

San Francisco, Ca

$3.9M
Volume

3
Loans

Philadelphia, Pa

$3.6M
Volume

5
Loans

Milwaukee, Wi

$3.2M
Volume

5
Loans

Los Angeles, Ca

$2.9M
Volume

6
Loans

Long Beach, Ca

$2.5M
Volume

2
Loans

Lexington, Sc

$2.5M
Volume

1
Loans

Whitestown, In

$2.3M
Volume

1
Loans

Houston, Tx

$2.2M
Volume

4
Loans

Austin, Tx

$2.1M
Volume

3
Loans

Charlotte, Nc

$2.0M
Volume

2
Loans

Archdale, Nc

$1.8M
Volume

1
Loans

Edgewater, Fl

$1.8M
Volume

2
Loans

Durham, Nc

$1.7M
Volume

1
Loans

Washington, Dc

$1.7M
Volume

6
Loans

🤝 Why Use an SBA Broker for Bars & Nightclubs Loans?

GoSBA Loans has extensive experience financing Bars & Nightclubs businesses:

  • Industry expertise — we know which lenders specialize in Bars & Nightclubs
  • Access to 151+ lenders — including banks that don’t accept direct applications
  • Better rates — our relationships help secure competitive terms
  • Faster approvals — proper preparation leads to quicker decisions
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Bars & Nightclubs SBA Loan

Our team specializes in SBA financing for Bars & Nightclubs businesses. Let us match you with the right lender for your specific needs.

Need SBA financing for your Bars & Nightclubs business? GoSBA Loans specializes in SBA loans for Bars & Nightclubs businesses. Contact our industry specialists today for a free consultation.

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Ishan Jetley

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.
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