BlogRankingIndustryBest Coffee Shops & Juice Bars SBA Lenders of 2026

Best Coffee Shops & Juice Bars SBA Lenders of 2026

February 2, 2026
Industry, Ranking
5 min read

Best Coffee Shops & Juice Bars SBA Lenders of 2026

$469.3M
Total Funded

1,101
Loans Approved

$426K
Avg Loan Size

9.80%
Avg Interest Rate

252
Active Lenders

SBA Loans for Coffee Shops & Juice Bars Businesses

The Coffee Shops & Juice Bars industry received $469.3M in SBA 7(a) loans across 1,101 businesses in 2025. With 252 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 Coffee Shops & Juice Bars industry can help you access lenders that specialize in your business type.

💡 Key Insight: The average SBA loan for Coffee Shops & Juice Bars businesses is $426K with an average rate of 9.80%. 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 Coffee Shops & Juice Bars businesses by business stage:

🚀 Startups
66%
$341.6M • 729 loans

🏢 Existing Businesses
25%
$79.0M • 278 loans

🔄 Business Acquisitions
9%
$48.7M • 94 loans

Top 50 SBA Lenders for Coffee Shops & Juice Bars (2025)

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

Rank Lender Volume Loans Avg Rate
1 The Huntington National Bank $47.3M 193 9.79%
2 Bank Five Nine $20.3M 19 9.15%
3 Newtek Bank, National Association $18.7M 56 10.52%
4 First Bank of the Lake $15.6M 21 9.74%
5 Byline Bank $14.4M 14 10.04%
6 Citizens Bank $14.3M 24 10.09%
7 Cadence Bank $13.3M 13 9.62%
8 Bank of Hope $10.7M 10 8.97%
9 United Community Bank $10.6M 21 9.14%
10 Readycap Lending, LLC $10.4M 19 11.13%
11 Live Oak Banking Company $8.4M 12 9.64%
12 Manufacturers and Traders Trust Company $6.5M 48 10.88%
13 First Savings Bank $6.4M 5 10.10%
14 Celtic Bank Corporation $6.1M 13 10.27%
15 KeyBank National Association $6.0M 17 10.09%
16 ConnectOne Bank $5.9M 9 9.75%
17 Hanmi Bank $5.8M 11 9.05%
18 Customers Bank $5.6M 3 8.50%
19 Wilmington Savings Fund Society FSB $5.5M 10 9.75%
20 Capital One, National Association $5.5M 4 6.87%
21 Amistad Bank $5.4M 2 8.75%
22 T Bank, National Association $5.2M 4 10.00%
23 First Federal Bank $5.0M 4 8.30%
24 Zions Bank, A Division of $4.9M 22 9.90%
25 Port 51 Lending LLC $4.5M 5 9.70%
26 LendingClub Bank, National Association $4.3M 6 9.33%
27 JPMorgan Chase Bank, National Association $4.2M 9 10.59%
28 Woori America Bank $4.2M 9 9.33%
29 Community Bank & Trust-West Georgia $4.2M 3 9.75%
30 Bank of America, National Association $4.2M 8 7.91%
31 Heritage Bank Inc $4.0M 4 10.50%
32 Harvest Small Business Finance, LLC $3.9M 5 9.90%
33 Quaint Oak Bank $3.6M 7 10.21%
34 Truliant FCU $3.3M 1 10.25%
35 PNC Bank, National Association $3.2M 8 7.69%
36 The Bancorp Bank National Association $3.1M 5 8.75%
37 Northeast Bank $3.1M 25 10.95%
38 Magnifi Financial CU $3.1M 7 10.18%
39 Climate First Bank $3.1M 4 10.00%
40 FWBank $3.0M 5 9.40%
41 U.S. Bank, National Association $2.9M 31 9.58%
42 Pinnacle Bank $2.8M 4 9.06%
43 Hancock Whitney Bank $2.8M 4 9.75%
44 First Business Bank $2.7M 3 10.08%
45 MidFirst Bank $2.6M 2 7.50%
46 The Fidelity Bank $2.6M 4 9.30%
47 America First FCU $2.5M 4 8.31%
48 American Bank, National Association $2.5M 3 8.33%
49 VelocitySBA, LLC $2.4M 4 10.25%
50 Valley National Bank $2.4M 4 9.38%

🚀 Best Lenders for Coffee Shops & Juice Bars Startups

Starting a new snack and nonalcoholic beverage bars business? These lenders funded the most startup loans in this industry:

Rank Lender Startup Volume Loans Avg Rate
1 The Huntington National Bank $38.8M 155 9.87%
2 Bank Five Nine $20.3M 19 9.15%
3 First Bank of the Lake $12.0M 19 9.75%
4 Citizens Bank $11.3M 20 10.11%
5 Bank of Hope $10.0M 7 8.89%
6 Newtek Bank, National Association $9.8M 26 10.38%
7 Byline Bank $9.8M 11 10.11%
8 Cadence Bank $8.7M 9 9.69%
9 United Community Bank $8.2M 16 9.13%
10 Live Oak Banking Company $5.6M 7 9.57%

🔄 Best Lenders for Coffee Shops & Juice Bars Acquisitions

Looking to buy an existing snack and nonalcoholic beverage bars business? These lenders specialize in acquisition financing:

Rank Lender Acquisition Volume Loans Avg Rate
1 The Huntington National Bank $6.6M 18 9.43%
2 Byline Bank $4.7M 3 9.75%
3 First Bank of the Lake $3.6M 2 9.63%
4 T Bank, National Association $3.3M 3 9.92%
5 Woori America Bank $2.7M 3 9.08%
6 Citizens Bank $2.4M 3 9.92%
7 Cadence Bank $1.8M 2 9.38%
8 VelocitySBA, LLC $1.6M 3 10.33%
9 Live Oak Banking Company $1.6M 2 8.63%
10 ConnectOne Bank $1.4M 1 9.25%

🏢 Best Lenders for Existing Coffee Shops & Juice Bars Businesses

Already running an established snack and nonalcoholic beverage bars 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 $8.3M 27 10.70%
2 Readycap Lending, LLC $7.1M 14 11.52%
3 Truliant FCU $3.3M 1 10.25%
4 Cadence Bank $2.9M 2 9.50%
5 Pinnacle Bank $2.8M 4 9.06%
6 MidFirst Bank $2.6M 2 7.50%
7 Zions Bank, A Division of $2.6M 10 10.06%
8 Port 51 Lending LLC $2.4M 2 9.75%
9 Northeast Bank $2.3M 17 10.71%
10 Harvest Small Business Finance, LLC $2.1M 2 10.00%

Top States for Coffee Shops & Juice Bars SBA Loans

Here are the states with the highest SBA lending volume for Coffee Shops & Juice Bars businesses:

Rank State Volume Loans
1 Texas $75.7M 126
2 California $52.6M 128
3 Florida $39.2M 79
4 North Carolina $21.5M 37
5 Georgia $18.7M 46
6 Illinois $18.4M 38
7 Arizona $18.1M 28
8 Missouri $16.3M 23
9 Tennessee $15.7M 30
10 Pennsylvania $15.5M 54
11 New York $14.0M 51
12 New Jersey $13.6M 32
13 Ohio $13.2M 49
14 Michigan $11.5M 33
15 Wisconsin $11.3M 22
16 Virginia $11.3M 20
17 Colorado $10.7M 27
18 Utah $9.1M 25
19 Minnesota $7.6M 15
20 Washington $7.0M 31
21 Oklahoma $6.8M 8
22 South Carolina $5.4M 10
23 Kansas $5.1M 12
24 Massachusetts $5.0M 26
25 Indiana $4.5M 11
26 Alabama $4.4M 10
27 Nevada $4.1M 7
28 Idaho $3.9M 14
29 Maryland $3.4M 13
30 Louisiana $3.1M 10
31 Connecticut $2.8M 10
32 Oregon $2.7M 14
33 Nebraska $2.3M 3
34 Mississippi $1.7M 3
35 Alaska $1.5M 2
36 Kentucky $1.4M 8
37 New Mexico $1.4M 2
38 Arkansas $1.3M 2
39 South Dakota $1.2M 7
40 New Hampshire $1.1M 2
41 District of Columbia $967K 1
42 Iowa $870K 3
43 Montana $736K 4
44 Rhode Island $692K 2
45 Maine $661K 7
46 Hawaii $410K 5
47 Puerto Rico $369K 4
48 Delaware $360K 3
49 North Dakota $162K 2
50 West Virginia $48K 1

Top Cities for Coffee Shops & Juice Bars SBA Loans

San Antonio, Tx

$10.0M
Volume

13
Loans

Charlotte, Nc

$5.8M
Volume

7
Loans

Saint Joseph, Mo

$5.4M
Volume

3
Loans

Lancaster, Ca

$5.0M
Volume

1
Loans

Saint Louis, Mo

$3.8M
Volume

6
Loans

Minneapolis, Mn

$3.8M
Volume

5
Loans

Houston, Tx

$3.8M
Volume

10
Loans

Allen, Tx

$3.5M
Volume

2
Loans

Mansfield, Tx

$3.5M
Volume

2
Loans

Phoenix, Az

$3.4M
Volume

7
Loans

Los Angeles, Ca

$3.4M
Volume

11
Loans

Austin, Tx

$3.4M
Volume

10
Loans

Knoxville, Tn

$3.4M
Volume

6
Loans

Tampa, Fl

$3.3M
Volume

3
Loans

Scottsdale, Az

$3.3M
Volume

3
Loans

Tinley Park, Il

$3.2M
Volume

1
Loans

🤝 Why Use an SBA Broker for Coffee Shops & Juice Bars Loans?

GoSBA Loans has extensive experience financing Coffee Shops & Juice Bars businesses:

  • Industry expertise — we know which lenders specialize in Coffee Shops & Juice Bars
  • Access to 252+ 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 Coffee Shops & Juice Bars SBA Loan

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

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

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http://gosbaloans.com

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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