Best Fast Food & Quick Service Restaurants SBA Lenders of 2026

Compare the top 394 SBA lenders for Fast Food & Quick Service Restaurants businesses. $1.11B funded in 2025. Average rate 9.79%. Get matched free.

Table of Contents

Best Fast Food & Quick Service Restaurants SBA Lenders of 2026

$1.11B
Total Funded

2,287
Loans Approved

$483K
Avg Loan Size

9.79%
Avg Interest Rate

394
Active Lenders

SBA Loans for Fast Food & Quick Service Restaurants Businesses

The Fast Food & Quick Service Restaurants industry received $1.11B in SBA 7(a) loans across 2,287 businesses in 2025. With 394 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 Fast Food & Quick Service Restaurants industry can help you access lenders that specialize in your business type.

💡 Key Insight: The average SBA loan for Fast Food & Quick Service Restaurants businesses is $483K with an average rate of 9.79%. 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 Fast Food & Quick Service Restaurants businesses by business stage:

🚀 Startups
54%
$639.6M • 1246 loans

🏢 Existing Businesses
33%
$263.1M • 765 loans

🔄 Business Acquisitions
12%
$202.4M • 275 loans

Top 50 SBA Lenders for Fast Food & Quick Service Restaurants (2025)

These are the banks that funded the most SBA 7(a) loan volume to Fast Food & Quick Service Restaurants businesses, ranked by total volume:

RankLenderVolumeLoansAvg Rate
1 Live Oak Banking Company$131.0M1329.45%
2 The Huntington National Bank$93.9M3379.79%
3 Newtek Bank, National Association$40.5M9910.57%
4 Celtic Bank Corporation$27.0M3910.33%
5 Byline Bank$20.4M2510.22%
6 Bank of Hope$19.8M369.22%
7 First Bank of the Lake$19.4M229.99%
8 Northeast Bank$19.2M11010.94%
9 Readycap Lending, LLC$18.6M4512.01%
10 Cadence Bank$17.7M259.83%
11 United Community Bank$16.7M129.00%
12 Manufacturers and Traders Trust Company$15.5M10510.79%
13 Dogwood State Bank$12.8M1310.00%
14 Wells Fargo Bank National Association$12.6M289.86%
15 Milestone Bank$11.8M910.08%
16 ConnectOne Bank$11.1M179.88%
17 Hanmi Bank$10.8M209.30%
18 Gulf Coast Bank and Trust Company$10.8M109.75%
19 Hancock Whitney Bank$10.1M149.75%
20 Old National Bank$9.6M67.88%
21 Citizens Bank$9.1M1510.05%
22 U.S. Bank, National Association$9.0M659.96%
23 Brookline Bank, a Division of Beacon Bank and Trust$8.9M119.47%
24 Metro City Bank$8.6M139.02%
25 Truist Bank$7.9M78.58%
26 Capital One, National Association$7.6M86.82%
27 Royal Business Bank$7.5M79.54%
28 Fulton Bank, National Association$7.4M109.65%
29 JPMorgan Chase Bank, National Association$7.4M129.97%
30 United FCU$7.4M69.96%
31 FWBank$7.4M89.56%
32 Centerstone SBA Lending, Inc.$7.3M79.46%
33 Heritage Bank$7.1M47.44%
34 VelocitySBA, LLC$7.1M1210.25%
35 Seacoast National Bank$7.0M69.08%
36 Port 51 Lending LLC$6.9M810.03%
37 East West Bank$6.6M168.82%
38 TD Bank, National Association$6.6M4710.13%
39 Harvest Small Business Finance, LLC$6.3M910.03%
40 First Savings Bank$6.3M79.68%
41 Merchants Bank of Indiana$6.3M59.50%
42 Wallis Bank$6.2M49.31%
43 Peoples Bank$6.1M59.10%
44 Wilmington Savings Fund Society FSB$5.7M119.55%
45 Pathward National Association$5.7M39.58%
46 KeyBank National Association$5.7M2210.28%
47 Heritage Bank Inc$5.6M910.39%
48 Loyal Trust Bank$5.2M79.32%
49 Climate First Bank$5.1M810.06%
50 Synovus Bank$5.0M59.18%

🚀 Best Lenders for Fast Food & Quick Service Restaurants Startups

Starting a new limited-service restaurants business? These lenders funded the most startup loans in this industry:

RankLenderStartup VolumeLoansAvg Rate
1 The Huntington National Bank$71.9M2769.85%
2 Live Oak Banking Company$69.3M819.49%
3 Newtek Bank, National Association$19.6M3310.63%
4 First Bank of the Lake$18.5M209.85%
5 Bank of Hope$15.2M218.92%
6 Byline Bank$12.9M1710.03%
7 Cadence Bank$11.6M139.65%
8 Manufacturers and Traders Trust Company$11.5M6110.39%
9 Wells Fargo Bank National Association$11.3M279.97%
10 Celtic Bank Corporation$10.9M1310.02%

🔄 Best Lenders for Fast Food & Quick Service Restaurants Acquisitions

Looking to buy an existing limited-service restaurants business? These lenders specialize in acquisition financing:

RankLenderAcquisition VolumeLoansAvg Rate
1 Live Oak Banking Company$34.4M319.47%
2 The Huntington National Bank$15.6M229.36%
3 Hanmi Bank$9.6M179.29%
4 Royal Business Bank$7.0M69.50%
5 Dogwood State Bank$7.0M810.00%
6 United Community Bank$6.9M38.92%
7 Celtic Bank Corporation$6.7M59.60%
8 Byline Bank$6.2M511.05%
9 Brookline Bank, a Division of Beacon Bank and Trust$5.1M49.75%
10 Old National Bank$4.7M17.25%

🏢 Best Lenders for Existing Fast Food & Quick Service Restaurants Businesses

Already running an established limited-service restaurants business? These lenders have funded the most loans to existing businesses in your industry:

RankLenderVolumeLoansAvg Rate
1 Live Oak Banking Company$27.3M209.30%
2 Newtek Bank, National Association$19.4M6210.56%
3 Northeast Bank$17.3M9410.95%
4 Celtic Bank Corporation$9.3M2010.74%
5 JPMorgan Chase Bank, National Association$6.9M1110.11%
6 Truist Bank$6.6M58.22%
7 Readycap Lending, LLC$6.6M3112.85%
8 U.S. Bank, National Association$6.5M5110.13%
9 The Huntington National Bank$6.5M399.59%
10 Gulf Coast Bank and Trust Company$5.5M49.56%

Top States for Fast Food & Quick Service Restaurants SBA Loans

Here are the states with the highest SBA lending volume for Fast Food & Quick Service Restaurants businesses:

RankStateVolumeLoans
1 California$132.6M298
2 Texas$118.3M190
3 Florida$84.5M146
4 Georgia$60.4M104
5 New York$49.4M152
6 Illinois$43.0M70
7 North Carolina$40.2M63
8 Washington$36.5M68
9 Pennsylvania$36.4M81
10 Michigan$34.3M82
11 Ohio$32.7M79
12 Virginia$29.6M47
13 New Jersey$28.1M75
14 South Carolina$25.6M43
15 Massachusetts$23.5M63
16 Maryland$21.4M59
17 Arizona$20.8M43
18 Kentucky$20.1M18
19 Tennessee$19.4M39
20 Minnesota$19.3M39
21 Colorado$17.5M58
22 Alabama$15.5M28
23 Indiana$15.0M37
24 Missouri$14.3M24
25 Louisiana$14.0M17
26 Oregon$13.7M27
27 Utah$13.6M30
28 Montana$11.5M11
29 Wisconsin$10.1M28
30 Connecticut$8.7M28
31 South Dakota$8.1M10
32 Mississippi$7.9M12
33 Kansas$7.5M19
34 Oklahoma$7.3M16
35 Nevada$7.1M29
36 District of Columbia$7.0M13
37 Iowa$6.6M11
38 Delaware$5.7M9
39 Idaho$5.1M12
40 Nebraska$4.8M7
41 New Mexico$4.2M5
42 Maine$3.6M11
43 Rhode Island$3.4M15
44 North Dakota$3.2M7
45 Wyoming$3.0M5
46 Hawaii$2.3M8
47 New Hampshire$2.1M19
48 Arkansas$1.8M8
49 Puerto Rico$1.7M11
50 West Virginia$1.3M7

Top Cities for Fast Food & Quick Service Restaurants SBA Loans

Los Angeles, Ca

$10.4M
Volume

19
Loans

Houston, Tx

$9.5M
Volume

13
Loans

Fort Worth, Tx

$8.9M
Volume

7
Loans

Dallas, Tx

$8.6M
Volume

14
Loans

Philadelphia, Pa

$7.4M
Volume

10
Loans

Ocala, Fl

$7.3M
Volume

4
Loans

Washington, Dc

$7.0M
Volume

13
Loans

Palatine, Il

$6.4M
Volume

3
Loans

Fresno, Ca

$6.4M
Volume

8
Loans

Jacksonville, Nc

$6.0M
Volume

2
Loans

Louisville, Ky

$5.4M
Volume

5
Loans

Falls Church, Va

$5.3M
Volume

3
Loans

Austin, Tx

$5.2M
Volume

11
Loans

Brooklyn, Ny

$5.2M
Volume

13
Loans

Nashville, Tn

$5.1M
Volume

9
Loans

Tallahassee, Fl

$5.0M
Volume

1
Loans

🤝 Why Use an SBA Broker for Fast Food & Quick Service Restaurants Loans?

GoSBA Loans has extensive experience financing Fast Food & Quick Service Restaurants businesses:

  • Industry expertise — we know which lenders specialize in Fast Food & Quick Service Restaurants
  • Access to 394+ 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 Fast Food & Quick Service Restaurants SBA Loan

Our team specializes in SBA financing for Fast Food & Quick Service Restaurants businesses. Let us match you with the right lender for your specific needs.

Need SBA financing for your Fast Food & Quick Service Restaurants business? GoSBA Loans specializes in SBA loans for Fast Food & Quick Service Restaurants 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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