SBA loans to convenience stores in Ohio
Short answer
SBA's loan file shows 50 loans to convenience stores in Ohio since October 2023. 56.0% were lines of credit, against 25.8% nationally. The median loan was $50,000, less than half the national median of $210,000.
- SBA loans, Oct 2023 to Jun 2026
- 50
- median loan
- $50,000
- dollars approved
- $11.54M
- were lines of credit
- 56.0%
These are the 50 SBA 7(a) loans to convenience stores in Ohio approved October 2023 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you.
How Ohio differs from the U.S.
What this means for you. If you need working capitalMoney for day-to-day costs such as payroll, rent and inventory. Full definition you can draw on and repay, revolving lines were more common here, so ask lenders about one.
Lines of credit
56.0% of the loans in Ohio were lines of creditA credit limit you can draw on, repay and draw on again. , against 25.8% nationally.
Loan size
The medianThe middle figure. Half the loans were larger and half were smaller. loan was $50,000 in Ohio, less than half the national median of $210,000.
The middle half of loans in Ohio ran from $50,000 to $273,550. Nationally the middle half ran from $50,000 to $670,650.
How common it is
Convenience stores made up 0.65% of the SBA loans approved in Ohio since October 2023, against 0.38% of loans nationwide. Its share here is 1.7 times its national share.
We compared 9 measures with the national figure for the same period, and these are the 3 that differ clearly. One more difference is in the table.
Ohio next to the U.S.
| Measure | Ohio | United States | Reading |
|---|---|---|---|
| Industry's share of all SBA loans | 0.65% | 0.38% | Clearly higher |
| Median loan | $50,000 | $210,000 | Clearly lower |
| Middle half of loans | $50,000 to $273,550 | $50,000 to $670,650 | – |
| Startups (the loan opens the business) | 12.0% | 10.8% | No clear gap |
| In business 2 years or less | 18.0% | 18.3% | No clear gap |
| In business more than 2 years | 54.0% | 49.9% | No clear gap |
| Change of ownership | 16.0% | 21.0% | No clear gap |
| SBA Express | 58.0% | 36.0% | Clearly higher |
| Lines of credit | 56.0% | 25.8% | Clearly higher |
| Median term | 10 years | 10 years | – |
| Median spread over Prime at approval | 2.25 points over Prime | 2.25 points over Prime | – |
Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference.
Who lends in Ohio
The 2 lenders below made 34 of the 50 loans approved October 2023 to June 2026, or 68.0%. A lender is listed when it has 5 or more of them, five at most.
| Lender | Loans | Share here | U.S. share |
|---|---|---|---|
| The Huntington National Bank | 27 | 54.0% | 9.3% |
| KeyBank | 7 | 14.0% | Not in top 5 |
Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry.
Convenience stores in other states
Other states where these loans differ clearly from the national pattern, most loans first.
| State | Loans since October 2019 |
|---|---|
| California | 166 |
| Washington | 99 |
| Texas | 71 |
More industries in Ohio
Other industries in Ohio with a clear difference from the national pattern, most loans first.
| Industry | Loans since October 2019 |
|---|---|
| Long-haul truckload carriers | 1,160 |
| Sit-down restaurants | 790 |
| Home remodeling contractors | 693 |
| Local trucking companies | 570 |
| Fast-food, pizza and counter-service restaurants | 559 |
| Landscaping and lawn care companies | 502 |
| Paving, fencing, pool and other specialty contractors | 478 |
| Plumbing and HVAC companies | 349 |
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2023 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. How we build these pages.
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Cite this page: SBA loans to convenience stores in Ohio. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/convenience-retailers/ohio/
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