# SBA loans to bars, taverns, taprooms and wine bars in Ohio **Short answer:** SBA's loan file shows 154 loans to bars, taverns, taprooms and wine bars in Ohio since October 2019. 34.4% were lines of credit, against 17.5% nationally. The median loan was $128,400, 47% below the national median of $241,500. Canonical page: https://www.sbaexpress.loans/industries/drinking-places/ohio/ Data as of: 2026-06-30 These are the 154 SBA 7(a) loans to [bars, taverns, taprooms and wine bars](https://www.sbaexpress.loans/industries/drinking-places/) in [Ohio](https://www.sbaexpress.loans/ohio-small-business-loans/) approved October 2019 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. Every state page for this industry uses this same period, so the pages can be compared with each other. ## How Ohio differs from the U.S. **What this means for you.** If you need working capital you can draw on and repay, revolving lines were more common here, so ask lenders about one. ### Lines of credit 34.4% of the loans in Ohio were lines of credit, against 17.5% nationally. Lines of credit, share of loans, Oct 2019 to Jun 2026 - Ohio: 34.4% - United States: 17.5% ### Loan size The median loan was $128,400 in Ohio, 47% below the national median of $241,500. The middle half of loans in Ohio ran from $50,000 to $314,850. Nationally the middle half ran from $80,000 to $576,100. Median loan, Oct 2019 to Jun 2026 - Ohio: $128,400 - United States: $241,500 ### SBA Express 45.5% of the loans in Ohio went through SBA Express, against 29.8% nationally. SBA Express, share of loans, Oct 2019 to Jun 2026 - Ohio: 45.5% - United States: 29.8% We compared 9 measures with the national figure for the same period, and these are the 3 that differ clearly. The table compares every measure. ## Ohio next to the U.S. **Ohio compared with all loans to bars, taverns, taprooms and wine bars in the U.S., October 2019 to June 2026** | Measure | Ohio | United States | Reading | | --- | --- | --- | --- | | Industry's share of all SBA loans | 0.80% | 0.58% | No clear gap | | Median loan | $128,400 | $241,500 | Clearly lower | | Middle half of loans | $50,000 to $314,850 | $80,000 to $576,100 | – | | Startups (the loan opens the business) | 38.3% | 33.9% | No clear gap | | In business 2 years or less | 7.1% | 14.4% | No clear gap | | In business more than 2 years | 45.5% | 37.9% | No clear gap | | Change of ownership | 7.8% | 12.3% | No clear gap | | SBA Express | 45.5% | 29.8% | Clearly higher | | Lines of credit | 34.4% | 17.5% | Clearly higher | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 2.05 points over Prime | 2.5 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 4 lenders below made 112 of the 154 loans approved October 2019 to June 2026, or 72.7%. A lender is listed when it has 5 or more of them, five at most. **Top lenders in Ohio** | Lender | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/) | 94 | 61.0% | 10.8% | | [KeyBank](https://www.sbaexpress.loans/sba-express-lenders/keybank/) | 8 | 5.2% | 2.3% | | [First Commonwealth Bank](https://www.sbaexpress.loans/sba-express-lenders/first-commonwealth-bank/) | 5 | 3.2% | Not in top 5 | | [German American Bank](https://www.sbaexpress.loans/sba-express-lenders/german-american-bank/) | 5 | 3.2% | 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. ## Bars, taverns, taprooms and wine bars in other states Other states where these loans differ clearly from the national pattern, most loans first. **Bars, taverns, taprooms and wine bars by state** | State | Loans since October 2019 | | --- | --- | | [California](https://www.sbaexpress.loans/industries/drinking-places/california/) | 162 | | [New York](https://www.sbaexpress.loans/industries/drinking-places/new-york/) | 136 | | [Texas](https://www.sbaexpress.loans/industries/drinking-places/texas/) | 104 | | [Florida](https://www.sbaexpress.loans/industries/drinking-places/florida/) | 79 | | [Michigan](https://www.sbaexpress.loans/industries/drinking-places/michigan/) | 72 | ## More industries in Ohio Other industries in Ohio with a clear difference from the national pattern, most loans first. **Other industries in Ohio** | Industry | Loans since October 2019 | | --- | --- | | [Long-haul truckload carriers](https://www.sbaexpress.loans/industries/general-freight-trucking-long-distance-truckload/ohio/) | 1,160 | | [Sit-down restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/ohio/) | 790 | | [Home remodeling contractors](https://www.sbaexpress.loans/industries/residential-remodelers/ohio/) | 693 | | [Local trucking companies](https://www.sbaexpress.loans/industries/general-freight-trucking-local/ohio/) | 570 | | [Fast-food, pizza and counter-service restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/ohio/) | 559 | | [Landscaping and lawn care companies](https://www.sbaexpress.loans/industries/landscaping-services/ohio/) | 502 | | [Paving, fencing, pool and other specialty contractors](https://www.sbaexpress.loans/industries/all-other-specialty-trade-contractors/ohio/) | 478 | | [Plumbing and HVAC companies](https://www.sbaexpress.loans/industries/plumbing-heating-air-conditioning-contractors/ohio/) | 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, 2019 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](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)