SBA loans by business type
SBA Loans for Bakeries
SBA lenders funded 2,502 7(a) and 504 loans for bakeries since FY2010 (0.2% of all SBA lending in the data), totaling $812.4M, an average of $325K per loan. The most active lender is Meadows Bank.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
These figures are computed from the SBA's public 7(a) and 504 funded-loan records for Retail Bakeries (NAICS 311811). They cover funded loans, not applications, so a lender's activity here is a track-record signal — not a guarantee you will be approved. Among the 7(a) loans, the charge-off rate is 3.2% — a relative track-record signal, not a lifetime default rate (504 charge-offs are not reported in the SBA data); see our methodology. Estimate a payment with the SBA loan calculator, or check the basics with the eligibility checker.
Top SBA lenders in Manufacturing, the sector that includes bakeries
Ranked by SBA loans funded across Manufacturing (NAICS 31-33), the full sector that contains Retail Bakeries (NAICS 311811). The sector is broader than bakeries alone, and sector level is the granularity our per-lender track-record data supports, so every figure below, including the 7(a) charge-off rate, is sector-wide, not specific to bakeries. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in the sector shows “not reported,” never 0%. A lender active in your situation is a good place to start; talk to a few before you apply.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 4,890 | $2.0B | $404K | 3.15% |
| 2 | Wells Fargo Bank National Association | 3,645 | $1.7B | $465K | 4.12% |
| 3 | JPMorgan Chase Bank, National Association | 2,622 | $766.8M | $292K | 4.31% |
| 4 | U.S. Bank, National Association | 2,563 | $1.3B | $523K | 2.81% |
| 5 | Manufacturers and Traders Trust Company | 1,752 | $376.3M | $215K | 3.71% |
| 6 | TD Bank, National Association | 1,548 | $413.2M | $267K | 6.85% |
| 7 | KeyBank National Association | 1,230 | $694.7M | $565K | 2.03% |
| 8 | PNC Bank, National Association | 1,169 | $292.3M | $250K | 7.53% |
| 9 | Zions Bank, A Division of | 1,024 | $308.4M | $301K | 3.71% |
| 10 | Columbia Bank | 873 | $441.9M | $506K | 4.24% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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Top states for bakeries SBA loans
| State | Loans | Total volume |
|---|---|---|
| California | 325 | $175.1M |
| Texas | 174 | $58.4M |
| Florida | 125 | $49.4M |
| New York | 164 | $41.6M |
| Illinois | 96 | $39.0M |
| New Jersey | 90 | $32.4M |
| Ohio | 135 | $30.5M |
| Georgia | 63 | $30.0M |
| Pennsylvania | 103 | $29.5M |
| Michigan | 89 | $26.3M |
SBA lending for bakeries by year
Funded SBA volume by approval fiscal year (FY2010–2026).
SBA loans for bakeries: frequently asked questions
Can you get an SBA loan for bakeries?
Yes. Lenders funded 2,502 SBA 7(a) and 504 loans for bakeries in the public data (as of 2026-03-31), 0.2% of all SBA lending, totaling $812.4M.
How much is a typical SBA loan for bakeries?
The average SBA loan for bakeries is $325K, across 2,502 funded loans. Your amount depends on use of funds, cash flow, and the lender.
Which SBA lenders fund bakeries?
Meadows Bank, U.S. Bank, National Association, The Huntington National Bank are among the most active SBA lenders for bakeries by funded volume. A lender that regularly funds your situation is more likely to understand the deal.