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:

Rank Lender Volume Loans Avg Rate
1 Live Oak Banking Company $131.0M 132 9.45%
2 The Huntington National Bank $93.9M 337 9.79%
3 Newtek Bank, National Association $40.5M 99 10.57%
4 Celtic Bank Corporation $27.0M 39 10.33%
5 Byline Bank $20.4M 25 10.22%
6 Bank of Hope $19.8M 36 9.22%
7 First Bank of the Lake $19.4M 22 9.99%
8 Northeast Bank $19.2M 110 10.94%
9 Readycap Lending, LLC $18.6M 45 12.01%
10 Cadence Bank $17.7M 25 9.83%
11 United Community Bank $16.7M 12 9.00%
12 Manufacturers and Traders Trust Company $15.5M 105 10.79%
13 Dogwood State Bank $12.8M 13 10.00%
14 Wells Fargo Bank National Association $12.6M 28 9.86%
15 Milestone Bank $11.8M 9 10.08%
16 ConnectOne Bank $11.1M 17 9.88%
17 Hanmi Bank $10.8M 20 9.30%
18 Gulf Coast Bank and Trust Company $10.8M 10 9.75%
19 Hancock Whitney Bank $10.1M 14 9.75%
20 Old National Bank $9.6M 6 7.88%
21 Citizens Bank $9.1M 15 10.05%
22 U.S. Bank, National Association $9.0M 65 9.96%
23 Brookline Bank, a Division of Beacon Bank and Trust $8.9M 11 9.47%
24 Metro City Bank $8.6M 13 9.02%
25 Truist Bank $7.9M 7 8.58%
26 Capital One, National Association $7.6M 8 6.82%
27 Royal Business Bank $7.5M 7 9.54%
28 Fulton Bank, National Association $7.4M 10 9.65%
29 JPMorgan Chase Bank, National Association $7.4M 12 9.97%
30 United FCU $7.4M 6 9.96%
31 FWBank $7.4M 8 9.56%
32 Centerstone SBA Lending, Inc. $7.3M 7 9.46%
33 Heritage Bank $7.1M 4 7.44%
34 VelocitySBA, LLC $7.1M 12 10.25%
35 Seacoast National Bank $7.0M 6 9.08%
36 Port 51 Lending LLC $6.9M 8 10.03%
37 East West Bank $6.6M 16 8.82%
38 TD Bank, National Association $6.6M 47 10.13%
39 Harvest Small Business Finance, LLC $6.3M 9 10.03%
40 First Savings Bank $6.3M 7 9.68%
41 Merchants Bank of Indiana $6.3M 5 9.50%
42 Wallis Bank $6.2M 4 9.31%
43 Peoples Bank $6.1M 5 9.10%
44 Wilmington Savings Fund Society FSB $5.7M 11 9.55%
45 Pathward National Association $5.7M 3 9.58%
46 KeyBank National Association $5.7M 22 10.28%
47 Heritage Bank Inc $5.6M 9 10.39%
48 Loyal Trust Bank $5.2M 7 9.32%
49 Climate First Bank $5.1M 8 10.06%
50 Synovus Bank $5.0M 5 9.18%

🚀 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:

Rank Lender Startup Volume Loans Avg Rate
1 The Huntington National Bank $71.9M 276 9.85%
2 Live Oak Banking Company $69.3M 81 9.49%
3 Newtek Bank, National Association $19.6M 33 10.63%
4 First Bank of the Lake $18.5M 20 9.85%
5 Bank of Hope $15.2M 21 8.92%
6 Byline Bank $12.9M 17 10.03%
7 Cadence Bank $11.6M 13 9.65%
8 Manufacturers and Traders Trust Company $11.5M 61 10.39%
9 Wells Fargo Bank National Association $11.3M 27 9.97%
10 Celtic Bank Corporation $10.9M 13 10.02%

🔄 Best Lenders for Fast Food & Quick Service Restaurants Acquisitions

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

Rank Lender Acquisition Volume Loans Avg Rate
1 Live Oak Banking Company $34.4M 31 9.47%
2 The Huntington National Bank $15.6M 22 9.36%
3 Hanmi Bank $9.6M 17 9.29%
4 Royal Business Bank $7.0M 6 9.50%
5 Dogwood State Bank $7.0M 8 10.00%
6 United Community Bank $6.9M 3 8.92%
7 Celtic Bank Corporation $6.7M 5 9.60%
8 Byline Bank $6.2M 5 11.05%
9 Brookline Bank, a Division of Beacon Bank and Trust $5.1M 4 9.75%
10 Old National Bank $4.7M 1 7.25%

🏢 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:

Rank Lender Volume Loans Avg Rate
1 Live Oak Banking Company $27.3M 20 9.30%
2 Newtek Bank, National Association $19.4M 62 10.56%
3 Northeast Bank $17.3M 94 10.95%
4 Celtic Bank Corporation $9.3M 20 10.74%
5 JPMorgan Chase Bank, National Association $6.9M 11 10.11%
6 Truist Bank $6.6M 5 8.22%
7 Readycap Lending, LLC $6.6M 31 12.85%
8 U.S. Bank, National Association $6.5M 51 10.13%
9 The Huntington National Bank $6.5M 39 9.59%
10 Gulf Coast Bank and Trust Company $5.5M 4 9.56%

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:

Rank State Volume Loans
1 California $132.6M 298
2 Texas $118.3M 190
3 Florida $84.5M 146
4 Georgia $60.4M 104
5 New York $49.4M 152
6 Illinois $43.0M 70
7 North Carolina $40.2M 63
8 Washington $36.5M 68
9 Pennsylvania $36.4M 81
10 Michigan $34.3M 82
11 Ohio $32.7M 79
12 Virginia $29.6M 47
13 New Jersey $28.1M 75
14 South Carolina $25.6M 43
15 Massachusetts $23.5M 63
16 Maryland $21.4M 59
17 Arizona $20.8M 43
18 Kentucky $20.1M 18
19 Tennessee $19.4M 39
20 Minnesota $19.3M 39
21 Colorado $17.5M 58
22 Alabama $15.5M 28
23 Indiana $15.0M 37
24 Missouri $14.3M 24
25 Louisiana $14.0M 17
26 Oregon $13.7M 27
27 Utah $13.6M 30
28 Montana $11.5M 11
29 Wisconsin $10.1M 28
30 Connecticut $8.7M 28
31 South Dakota $8.1M 10
32 Mississippi $7.9M 12
33 Kansas $7.5M 19
34 Oklahoma $7.3M 16
35 Nevada $7.1M 29
36 District of Columbia $7.0M 13
37 Iowa $6.6M 11
38 Delaware $5.7M 9
39 Idaho $5.1M 12
40 Nebraska $4.8M 7
41 New Mexico $4.2M 5
42 Maine $3.6M 11
43 Rhode Island $3.4M 15
44 North Dakota $3.2M 7
45 Wyoming $3.0M 5
46 Hawaii $2.3M 8
47 New Hampshire $2.1M 19
48 Arkansas $1.8M 8
49 Puerto Rico $1.7M 11
50 West Virginia $1.3M 7

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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