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:

Rank Lender Volume Loans Avg Rate
1 The Huntington National Bank $9.3M 44 9.53%
2 Newtek Bank, National Association $9.3M 24 10.42%
3 Readycap Lending, LLC $5.3M 17 12.09%
4 Integro Bank $5.0M 1 9.75%
5 Celtic Bank Corporation $4.0M 6 10.00%
6 Commercial Bank of California $3.7M 1 9.00%
7 First Internet Bank of Indiana $3.7M 3 9.83%
8 Byline Bank $3.7M 5 10.25%
9 Zions Bank, A Division of $3.4M 11 9.82%
10 Dogwood State Bank $3.3M 3 10.00%
11 U.S. Bank, National Association $3.0M 7 8.66%
12 KeyBank National Association $2.8M 9 9.77%
13 Northeast Bank $2.7M 22 11.18%
14 Climate First Bank $2.5M 1 3.50%
15 Enterprise Bank & Trust $2.3M 2 9.00%
16 Harvest Small Business Finance, LLC $2.2M 3 9.83%
17 Southwestern National Bank $2.2M 1 8.50%
18 Columbia Bank $2.2M 8 11.22%
19 Manufacturers and Traders Trust Company $1.9M 20 11.06%
20 Heritage Bank Inc $1.6M 1 9.50%
21 Flushing Bank $1.6M 1 10.00%
22 Wilmington Savings Fund Society FSB $1.6M 2 9.50%
23 Royal Business Bank $1.5M 1 9.50%
24 Port 51 Lending LLC $1.5M 2 9.88%
25 ConnectOne Bank $1.3M 1 9.00%
26 Mountain America FCU $1.3M 4 10.69%
27 Frost Bank $1.3M 2 9.13%
28 American Momentum Bank $1.2M 1 9.50%
29 First Business Bank $1.2M 1 9.25%
30 Eastern Bank $1.2M 1 8.50%
31 Banc of California $1.1M 1 7.50%
32 Waukesha State Bank $1.1M 2 10.25%
33 Magyar Bank $1.1M 1 10.25%
34 Merchants Commercial Bank $1.1M 1 10.50%
35 Lendistry SBLC, LLC $1.1M 4 12.00%
36 Pinnacle Bank $1.0M 1 9.50%
37 FFB Bank $1.0M 1 9.00%
38 Peapack Private Bank and Trust $1.0M 1 9.75%
39 Old National Bank $1000K 1 7.30%
40 American Bank of Freedom $950K 1 10.25%
41 Financial Resources Federal Credit Union $900K 1 9.50%
42 Comerica Bank $883K 1 7.00%
43 FNBC Bank $860K 1 10.00%
44 Fibre FCU $858K 1 8.00%
45 Fulton Bank, National Association $804K 3 9.75%
46 Prosperity Bank $792K 1 9.00%
47 Mountain Pacific Bank $773K 1 9.00%
48 Citizens & Northern Bank $770K 2 9.63%
49 Gulf Coast Bank and Trust Company $748K 1 10.25%
50 Colorado Enterprise Fund $727K 3 9.99%

🚀 Best Lenders for Bars & Nightclubs Startups

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

Rank Lender Startup Volume Loans Avg Rate
1 The Huntington National Bank $5.3M 22 9.41%
2 Integro Bank $5.0M 1 9.75%
3 Byline Bank $3.6M 4 10.25%
4 Dogwood State Bank $2.6M 2 9.88%
5 First Internet Bank of Indiana $2.6M 2 9.63%
6 KeyBank National Association $2.5M 7 9.85%
7 Climate First Bank $2.5M 1 3.50%
8 Enterprise Bank & Trust $2.3M 2 9.00%
9 Heritage Bank Inc $1.6M 1 9.50%
10 Newtek Bank, National Association $1.6M 6 10.42%

🔄 Best Lenders for Bars & Nightclubs Acquisitions

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

Rank Lender Acquisition Volume Loans Avg Rate
1 Readycap Lending, LLC $2.0M 2 9.25%
2 The Huntington National Bank $1.8M 8 9.59%
3 Flushing Bank $1.6M 1 10.00%
4 Celtic Bank Corporation $1.4M 2 9.88%
5 Mountain America FCU $1.3M 2 7.62%
6 American Momentum Bank $1.2M 1 9.50%
7 First Business Bank $1.2M 1 9.25%
8 First Internet Bank of Indiana $1.1M 1 10.25%
9 Merchants Commercial Bank $1.1M 1 10.50%
10 Port 51 Lending LLC $889K 1 10.00%

🏢 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:

Rank Lender Volume Loans Avg Rate
1 Newtek Bank, National Association $7.6M 17 10.44%
2 Commercial Bank of California $3.7M 1 9.00%
3 U.S. Bank, National Association $3.0M 6 8.65%
4 Readycap Lending, LLC $2.7M 12 13.02%
5 Harvest Small Business Finance, LLC $2.2M 3 9.83%
6 Northeast Bank $2.2M 16 11.02%
7 Southwestern National Bank $2.2M 1 8.50%
8 Columbia Bank $1.9M 7 11.50%
9 The Huntington National Bank $1.5M 12 9.70%
10 Celtic Bank Corporation $1.5M 2 9.88%

Top States for Bars & Nightclubs SBA Loans

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

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

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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