SBA loans for snack bars, juice bars and coffee shops
Snack and Nonalcoholic Beverage Bars · NAICS 722515 · Program that usually fits: 7(a)
Snack bars, juice bars, coffee shops and smoothie stands all sit under NAICS 722515, and most of the SBA lending in this category is franchise lending: a branded coffee or smoothie concept with a build-out budget and a franchisor's sales data. Independent shops qualify too, with a bit more evidence that the location will work.
Who qualifies
Franchisees opening a coffee or smoothie unit, operators buying an existing shop, and owners adding a second location. Lenders want a lease as long as the loan, a contractor's build-out bid, and either franchisor unit economics or an operating history.
Which SBA program fits
7(a) for a new unit
Covers the franchise fee, build-out, equipment and opening working capital on a 10-year term.
SBA Express for smaller shops
Kiosks and small shops under $500,000 can close faster through Express.
7(a) for buying a shop
Purchases of an existing shop, including goodwill, are eligible.
What borrowers use the money for
- Franchise fee and build-out
- Espresso machines, blenders, refrigeration and POS
- Leasehold improvements including plumbing and ventilation
- Opening inventory and the first months of payroll
- Buying an existing shop
Typical loan amounts, down payment and terms
Most loans in this category run $100,000 to $500,000. Equity injection is 10% to 20%, higher for first-time owners and independent concepts. Lenders focus on sales per square foot and drive-through potential.
Example: a $250,000 loan
At today's maximum variable 7(a) rate of 10.00% over 10 years, the payment would be about $3,304 a month. Most well-qualified borrowers get a lower rate. Try your own numbers.
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Today's rate caps
These are the SBA's maximum 7(a) rates with prime at 7.00%. See current SBA 7(a) rates and SBA 504 rates for the full picture.
| Loan amount | Maximum spread | Maximum variable rate today |
|---|---|---|
| $50,000 or less | Prime + 6.5 | 13.50% |
| $50,001 to $250,000 | Prime + 6.0 | 13.00% |
| $250,001 to $350,000 | Prime + 4.5 | 11.50% |
| Over $350,000 | Prime + 3.0 | 10.00% |
Related industries and lenders
Related industries
SBA lenders active nationwide
Questions about juice bar business loans
Can I get an SBA loan to open a coffee or juice bar?
Yes. Coffee shops, juice bars, smoothie stands and snack bars are eligible for 7(a) and Express loans. Franchise units are approved most often; independents need a strong location analysis or an existing shop's numbers.
How much does a juice bar SBA loan cover?
Typically $100,000 to $500,000, covering build-out, equipment, the franchise fee if any, and opening working capital. The SBA allows up to $5 million, but single shops rarely need more.
What down payment is needed for a snack bar loan?
10% to 20% of total project cost. A franchisee with experience in the brand can be at the low end; a first-time independent owner at the high end.
What is the interest rate on a coffee shop SBA loan?
A loan between $50,001 and $250,000 is capped at prime plus 6, or 13.00% today, and between $250,001 and $350,000 at 11.50%. Expect pricing near the cap for start-ups.
Is a kiosk or food truck eligible?
Yes. Kiosks and mobile units are eligible businesses. Lenders treat the kiosk or truck as equipment, usually on a 7-to-10-year term, and will want a location agreement or route plan.
Sources: SBA 7(a) terms, conditions and maximum variable rates; Federal Reserve H.15 selected interest rates (bank prime loan rate); November 2026 SBA 504 debenture pricing, as published by CDCs; SBA FOIA 7(a) and 504 loan-level data.