SBA loans by business type
SBA Loans for Convenience Stores
SBA lenders funded 5,684 7(a) and 504 loans for convenience stores since FY2010 (0.5% of all SBA lending in the data), totaling $2.0B, an average of $355K per loan. The most active lender is Commonwealth Business 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 Convenience Stores (NAICS 445120 / 445131). 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 3.7% — 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 Retail Trade, the sector that includes convenience stores
Ranked by SBA loans funded across Retail Trade (NAICS 44-45), the full sector that contains Convenience Stores (NAICS 445120 / 445131). The sector is broader than convenience stores 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 convenience stores. 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 | 8,274 | $2.1B | $250K | 3.77% |
| 2 | Wells Fargo Bank National Association | 8,125 | $2.1B | $254K | 7.26% |
| 3 | U.S. Bank, National Association | 4,558 | $1.4B | $306K | 3.97% |
| 4 | JPMorgan Chase Bank, National Association | 4,535 | $845.8M | $187K | 6.00% |
| 5 | TD Bank, National Association | 3,878 | $572.2M | $148K | 9.33% |
| 6 | Manufacturers and Traders Trust Company | 3,502 | $447.0M | $128K | 7.40% |
| 7 | Bank of Hope | 2,367 | $1.4B | $597K | 4.35% |
| 8 | Celtic Bank Corporation | 2,102 | $1.6B | $781K | 6.47% |
| 9 | PNC Bank, National Association | 1,958 | $363.1M | $185K | 7.41% |
| 10 | Northeast Bank | 1,849 | $325.5M | $176K | 2.65% |
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 convenience stores SBA loans
| State | Loans | Total volume |
|---|---|---|
| California | 1,183 | $534.8M |
| Texas | 359 | $203.5M |
| Washington | 347 | $193.5M |
| Georgia | 152 | $97.6M |
| Oregon | 207 | $95.8M |
| Michigan | 292 | $73.6M |
| New Jersey | 182 | $67.9M |
| Ohio | 490 | $63.9M |
| New York | 322 | $56.9M |
| Massachusetts | 364 | $56.6M |
SBA lending for convenience stores by year
Funded SBA volume by approval fiscal year (FY2010–2026).
SBA loans for convenience stores: frequently asked questions
Can you get an SBA loan for convenience stores?
Yes. Lenders funded 5,684 SBA 7(a) and 504 loans for convenience stores in the public data (as of 2026-03-31), 0.5% of all SBA lending, totaling $2.0B.
How much is a typical SBA loan for convenience stores?
The average SBA loan for convenience stores is $355K, across 5,684 funded loans. Your amount depends on use of funds, cash flow, and the lender.
Which SBA lenders fund convenience stores?
Commonwealth Business Bank, The Huntington National Bank, Hanmi Bank are among the most active SBA lenders for convenience stores by funded volume. A lender that regularly funds your situation is more likely to understand the deal.