Best Retail Bakeries SBA Lenders of 2026

Compare the top 102 SBA lenders for Retail Bakeries businesses. $90.5M funded in 2025. Average rate 9.91%. Get matched free.

Table of Contents

Best Retail Bakeries SBA Lenders of 2026

$90.5M
Total Funded

218
Loans Approved

$415K
Avg Loan Size

9.91%
Avg Interest Rate

102
Active Lenders

SBA Loans for Retail Bakeries Businesses

The Retail Bakeries industry received $90.5M in SBA 7(a) loans across 218 businesses in 2025. With 102 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 Retail Bakeries industry can help you access lenders that specialize in your business type.

💡 Key Insight: The average SBA loan for Retail Bakeries businesses is $415K with an average rate of 9.91%. 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 Retail Bakeries businesses by business stage:

🚀 Startups
48%
$43.6M • 104 loans

🏢 Existing Businesses
43%
$30.9M • 94 loans

🔄 Business Acquisitions
9%
$16.1M • 20 loans

Top 50 SBA Lenders for Retail Bakeries (2025)

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

RankLenderVolumeLoansAvg Rate
1 The Huntington National Bank$7.4M299.49%
2 Port 51 Lending LLC$5.1M49.75%
3 United Community Bank$4.1M39.33%
4 Byline Bank$3.9M210.00%
5 U.S. Bank, National Association$3.8M49.72%
6 First Commonwealth Bank$3.7M18.25%
7 First Internet Bank of Indiana$3.1M19.75%
8 Celtic Bank Corporation$3.0M510.25%
9 Newtek Bank, National Association$2.9M1510.93%
10 First National Bank of Pennsylvania$2.9M19.50%
11 Hancock Whitney Bank$2.6M19.75%
12 Wilmington Savings Fund Society FSB$2.4M49.25%
13 KeyBank National Association$1.8M69.67%
14 The Bancorp Bank National Association$1.6M18.50%
15 Hyperion Bank$1.6M28.75%
16 Meadows Bank$1.5M28.50%
17 Bank of America, National Association$1.5M47.07%
18 Countybank$1.4M29.50%
19 Brookline Bank, a Division of Beacon Bank and Trust$1.4M19.50%
20 Potomac Bank$1.4M29.25%
21 Manufacturers and Traders Trust Company$1.3M811.04%
22 Northeast Bank$1.3M1311.25%
23 Truliant FCU$1.3M310.00%
24 Texas Capital Bank$1.3M15.75%
25 Harvest Small Business Finance, LLC$1.2M19.50%
26 Grasshopper Bank National Association$1.2M19.75%
27 T Bank, National Association$998K19.00%
28 Loyal Trust Bank$988K19.13%
29 City National Bank$973K17.36%
30 Live Oak Banking Company$850K210.24%
31 Capital One, National Association$850K26.24%
32 America First FCU$787K18.50%
33 Stellar Bank$746K18.50%
34 Paragon Bank$725K19.25%
35 PNC Bank, National Association$714K15.99%
36 Regent Bank$710K19.25%
37 VelocitySBA, LLC$704K110.25%
38 Liberty Bank$700K210.50%
39 Hanmi Bank$620K19.75%
40 Provident Bank$600K110.00%
41 FWBank$600K19.75%
42 City National Bank of Florida$560K110.25%
43 Scale Bank$558K17.75%
44 Banco Popular de Puerto Rico$536K511.85%
45 Paradise Bank$500K19.25%
46 Redwood CU$500K19.75%
47 Zions Bank, A Division of$500K28.38%
48 Gulf Coast Bank and Trust Company$500K18.00%
49 NewBank$473K18.50%
50 Colorado Enterprise Fund$445K29.99%

🚀 Best Lenders for Retail Bakeries Startups

Starting a new retail bakeries business? These lenders funded the most startup loans in this industry:

RankLenderStartup VolumeLoansAvg Rate
1 Byline Bank$3.9M210.00%
2 Hancock Whitney Bank$2.6M19.75%
3 Wilmington Savings Fund Society FSB$2.4M49.25%
4 Celtic Bank Corporation$2.3M39.83%
5 The Huntington National Bank$2.3M139.56%
6 The Bancorp Bank National Association$1.6M18.50%
7 United Community Bank$1.6M29.50%
8 Hyperion Bank$1.6M28.75%
9 Meadows Bank$1.5M28.50%
10 Brookline Bank, a Division of Beacon Bank and Trust$1.4M19.50%

🔄 Best Lenders for Retail Bakeries Acquisitions

Looking to buy an existing retail bakeries business? These lenders specialize in acquisition financing:

RankLenderAcquisition VolumeLoansAvg Rate
1 The Huntington National Bank$3.1M49.19%
2 First Internet Bank of Indiana$3.1M19.75%
3 First National Bank of Pennsylvania$2.9M19.50%
4 United Community Bank$2.5M19.00%
5 T Bank, National Association$998K19.00%
6 Truliant FCU$920K210.13%
7 VelocitySBA, LLC$704K110.25%
8 Scale Bank$558K17.75%
9 Zions Bank, A Division of$400K16.75%
10 Manufacturers and Traders Trust Company$295K28.55%

🏢 Best Lenders for Existing Retail Bakeries Businesses

Already running an established retail bakeries business? These lenders have funded the most loans to existing businesses in your industry:

RankLenderVolumeLoansAvg Rate
1 Port 51 Lending LLC$4.0M39.75%
2 U.S. Bank, National Association$3.8M27.58%
3 First Commonwealth Bank$3.7M18.25%
4 Newtek Bank, National Association$2.2M1110.82%
5 The Huntington National Bank$2.0M129.51%
6 Bank of America, National Association$1.5M47.07%
7 Countybank$1.3M19.75%
8 Harvest Small Business Finance, LLC$1.2M19.50%
9 KeyBank National Association$1.1M29.50%
10 Northeast Bank$1.0M1011.15%

Top States for Retail Bakeries SBA Loans

Here are the states with the highest SBA lending volume for Retail Bakeries businesses:

RankStateVolumeLoans
1 California$17.1M26
2 Texas$9.7M13
3 Ohio$6.3M14
4 Michigan$6.2M12
5 Illinois$6.2M12
6 Pennsylvania$5.9M15
7 South Carolina$5.2M6
8 New Jersey$4.5M15
9 Florida$3.9M12
10 Maryland$3.9M7
11 Virginia$2.3M5
12 Utah$2.2M4
13 New York$2.1M13
14 Indiana$1.9M7
15 Massachusetts$1.6M4
16 Oklahoma$1.3M5
17 Washington$1.2M5
18 Connecticut$1.1M5
19 Colorado$978K4
20 Puerto Rico$933K7
21 Nevada$919K2
22 Georgia$785K3
23 Kentucky$714K1
24 Idaho$707K3
25 Minnesota$686K2
26 Montana$474K2
27 Arizona$465K3
28 Missouri$392K1
29 North Carolina$150K1
30 West Virginia$144K1
31 Arkansas$135K1
32 Tennessee$105K1
33 Oregon$102K2
34 New Hampshire$66K1
35 Mississippi$47K1
36 Alabama$37K1
37 Wisconsin$30K1

Top Cities for Retail Bakeries SBA Loans

Cincinnati, Oh

$5.3M
Volume

7
Loans

Roseville, Ca

$3.6M
Volume

2
Loans

Clare, Mi

$3.1M
Volume

1
Loans

Cranberry Township, Pa

$2.9M
Volume

1
Loans

Seal Beach, Ca

$2.9M
Volume

1
Loans

Denton, Tx

$2.6M
Volume

2
Loans

Flower Mound, Tx

$2.6M
Volume

1
Loans

Surfside, Sc

$2.5M
Volume

1
Loans

Oak Brook, Il

$2.2M
Volume

1
Loans

Schaumburg, Il

$1.7M
Volume

1
Loans

Pasadena, Ca

$1.6M
Volume

1
Loans

Novi, Mi

$1.6M
Volume

1
Loans

Annapolis, Md

$1.6M
Volume

2
Loans

Long Beach, Ca

$1.4M
Volume

2
Loans

South Orange, Nj

$1.4M
Volume

1
Loans

Charleston, Sc

$1.3M
Volume

1
Loans

🤝 Why Use an SBA Broker for Retail Bakeries Loans?

GoSBA Loans has extensive experience financing Retail Bakeries businesses:

  • Industry expertise — we know which lenders specialize in Retail Bakeries
  • Access to 102+ 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 Retail Bakeries SBA Loan

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

Need SBA financing for your Retail Bakeries business? GoSBA Loans specializes in SBA loans for Retail Bakeries 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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