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Franchises · lenders

Which SBA lenders finance the most franchises

The SBA records the franchise brand on each loan it guarantees. These 459 lenders each made at least 25 franchise-branded loans since FY2010, 95,777 between them. They are ranked by that count, most first.

Lenders ranked

459

25+ franchise loans each

Franchise loans

95,777

Made by ranked lenders

Top 10 share

34%

Brands with a page

1,651

10+ loans each

#LenderFranchise loansApprovedBrandsMedian loanCharge-offMost-financed brands
1The Huntington National Bank10,882$3.73B1,548$196,2008.6%The UPS Store, Subway, X-Golf
2United Midwest Savings Bank4,884$1.00B572$150,00040.0%Naturals2Go, The Grounds Guys, Sam the Concrete Man
3Wells Fargo Bank3,230$1.99B751$371,50012.9%Anytime Fitness, Jimmy John's, The Goddard School
4Stearns Bank3,005$902.8M748$195,00012.6%Supercuts, Subway, iLoveKickboxing.com
5Live Oak Banking Company2,459$2.87B359$620,0003.4%Ameriprise Financial, Anytime Fitness, Home Instead
6Celtic Bank Corporation2,101$1.91B701$150,00031.0%Experimac, Dental Fix Rx, Window Genie
7Simmons Bank1,740$622.2M297$265,00011.5%European Wax Center, Sport Clips, Sports Clips
8JPMorgan Chase Bank1,605$476.9M652$204,7006.7%Subway, Jimmy John's, The UPS Store
9Manufacturers and Traders Trust Company1,464$321.2M547$115,00015.0%Subway, The UPS Store, Dunkin'
10U.S. Bank1,407$723.1M541$313,40010.1%The UPS Store, Subway, Allstate Insurance
11Citizens Bank1,356$809.2M494$408,4507.5%Hotworx, The UPS Store, Smoothie King
12First Bank of the Lake1,275$763.1M478$386,500-The Learning Experience, Hotworx, Five Star Bath Solutions
13Byline Bank1,112$1.13B431$660,00019.3%Ameriprise Financial, Dunkin', The Learning Experience
14PNC Bank1,019$719.7M384$291,6003.6%Subway, The Goddard School, Great Clips
15KeyBank998$549.1M369$349,9007.3%Anytime Fitness, Marco's Pizza, Urban Air Adventure Park
16TD Bank983$553.6M378$200,00010.6%The Goddard School, The UPS Store, Primrose Schools
17Readycap Lending, LLC930$1.04B501$500,00015.3%Christensen Inc. dba Powell Product Sales Agreement, Days Inn, The Learning Experience
18United Community Bank926$653.5M280$455,00012.9%The UPS Store, Bruster's Real Ice Cream, Domino's Pizza
19Newtek Small Business Finance, Inc.906$463.2M454$283,75010.3%Luv 2 Play, WaterStation, The UPS Store
20GBank840$2.41B119$2,737,7504.9%Quality Inn, Super 8 by Wyndhan, Days Inn
21SouthState Bank800$629.6M322$418,4005.6%Christian Brothers Automotive, Allstate Insurance, Tropical Smoothie Cafe
22The Bancorp Bank734$496.1M276$349,90014.4%Marco's Pizza, The UPS Store, Fantastic Sams
23Zions Bank, A Division of689$251.7M381$180,0006.0%The UPS Store, Subway, Ace Hardware
24Bank of Hope675$1.12B229$1,061,9004.3%Days Inn, Best Western, Quality Inn
25Truist Bank644$339.4M297$322,1505.0%The UPS Store, Subway, Once Upon A Child
26Bank Five Nine612$431.9M188$345,0007.1%Culver's ButterBurgers & Frozen Custard, Culver's, Kiddie Academy
27Columbia Bank605$677.9M254$687,0006.3%Quality Inn, Chevron, Best Western
28Ameris Bank594$460.3M260$421,00010.3%Marco's Pizza, Smoothie King, The UPS Store
29Pinnacle Bank591$662.2M313$537,3008.3%Hotworx, Quality Inn, La Quinta by Wyndham
30Florida Business Development Corporation563$744.5M248$916,0003.4%Zaxby's, Dunkin', Culver's ButterBurgers & Frozen Custard
31CDC Small Business Finance Corp.550$450.0M343$260,50019.5%Nurse Next Door, CarePatrol, The Back Nine
32BayFirst National Bank499$165.4M308$150,00030.9%The UPS Store, Crumbl, Glo Tanning
33Old National Bank492$279.1M252$271,2006.2%The UPS Store, Snap Fitness, Ace Hardware
34Wilmington Savings Fund Society480$288.7M176$364,9507.0%Kiddie Academy, Hand and Stone, Dunkin'
35Commonwealth Business Bank459$940.3M169$1,680,0002.0%Quality Inn, Days Inn, Chevron
36Beacon Bank and Trust457$359.3M206$500,0004.2%Orange Theory Fitness, Subway, Little Caesars
37Florida First Capital Finance Corporation, Inc.442$654.6M213$1,092,5002.6%Culver's ButterBurgers & Frozen Custard, Quality Inn, Zaxby's
38Open Bank425$897.2M161$1,879,0001.4%Quality Inn, Days Inn, Chevron
39BankUnited416$607.4M175$1,264,5006.6%Quality Inn, Days Inn, Servpro
40Fifth Third Bank416$230.7M218$325,00010.1%Little Caesars, The Bar Method, Culver's ButterBurgers & Frozen Custard
41First National Bank of Pennsylvania404$321.7M195$482,40017.8%The Goddard School, Subway, Meineke
42Mortgage Capital Development Corporation398$766.8M189$1,577,5003.6%Best Western, Holiday Inn Express, Farmer Boys
43Gulf Coast Bank and Trust Company395$271.1M203$524,3006.4%The Now Massage, Jimmy John's, The Great Greek Mediterranean Grill
44Enterprise Bank & Trust392$680.1M188$1,326,7503.0%Quality Inn, Days Inn, Motel 6
45Happen Bank389$323.2M133$568,00024.2%Restore Hyper Wellness, Orange Theory Fitness, Fantastic Sams
46First Western SBLC, LLC387$734.3M66$1,696,0002.5%Quality Inn, Days Inn, Best Western
47Wallis Bank387$673.3M174$1,453,00014.0%Days Inn, La Quinta by Wyndham, Best Western
48PromiseOne Bank386$597.2M108$1,200,0003.8%Quality Inn, Days Inn, Motel 6
49America First Federal Credit Union385$378.6M134$430,0001.3%Nothing Bundt Cakes, Primrose Schools, The UPS Store
50WBD, Inc.381$378.1M183$754,0000.8%Culver's ButterBurgers & Frozen Custard, Culver's Frozen Custard, Pizza Ranch
51Bank of America379$247.0M138$434,7001.8%The UPS Store, Christian Brothers Automotive, The Goddard School
52Metro City Bank364$569.9M169$1,295,0002.7%American Deli, Sunoco, LLC Fuel Supply Agreement, SEI Fuel Services, Inc Motor Fuel Supply & Security Agreement
53VelocitySBA, LLC359$181.5M238$150,00024.4%The UPS Store, Quiznos, Anytime Fitness
54Peoples Bank358$588.9M134$1,235,0001.6%Subway, Quality Inn, Red Roof Inn
55Hanmi Bank351$478.7M150$870,0004.6%Chevron, Subway, Choice Hotels International Inc.
56First Financial Bank345$244.7M151$350,0004.2%Health Mart Pharmacy, Vital Care, Health Mart Pharmacies
57Empire State Certified Development Corporation344$514.2M188$1,145,5006.5%Primrose Schools, Dunkin', Holiday Inn
58Banc of California342$393.6M102$766,5005.4%Domino's Pizza, Little Caesars, Jimmy John's
59First Commonwealth Bank342$191.6M174$349,1508.3%Biggby Coffee, Duck Donuts, The Little Gym
60US Metro Bank340$823.3M132$2,214,0004.1%Quality Inn, Super 8 by Wyndhan, Best Western
61Newtek Bank340$116.4M216$249,000-Cold Stone Creamery, The UPS Store, Subway
62TowneBank330$238.9M144$532,000-Domino's Pizza, Dickey's Barbecue Pit, Ziggi's Coffee
63First Bank327$318.4M192$500,10020.0%Budget Blinds, Liberty Tax Service, Golden Corral
64HomeTrust Bank323$481.3M166$1,225,0001.2%Quality Inn, Days Inn, Jackson Hewitt Tax Service
65First Merchants Bank316$265.5M166$578,8008.0%Goldfish Swim School, Crumbl, Massage Envy
66Mountain West Small Business Finance306$355.0M160$801,5001.1%Culver's ButterBurgers & Frozen Custard, Big O Tires, Bee Hive Homes
67Capital Certified Development Corporation299$489.9M144$1,306,0003.0%Chicken Express, Primrose Schools, Best Western
68First Internet Bank of Indiana299$283.7M169$625,0008.4%Crumbl, Petland, Subway
69Midwest Regional Bank296$138.0M203$355,70027.1%Hotworx, Dairy Queen, Smoothie King
70PCB Bank292$470.4M120$1,200,0003.1%Chevron, Wetzel's Pretzels, Subway
71First-Citizens Bank & Trust Company279$187.6M153$400,00010.0%Jimmy John's, Wild Birds Unlimited, Health Mart Pharmacy
72Associated Bank278$115.8M75$177,5007.4%Home Instead Senior Care, Home Instead, Complete Nutrition
73Glacier Bank275$174.2M165$250,0004.9%Bee Hive Homes, The Grounds Guys, Subway
74Regions Bank267$233.5M120$485,3004.6%Primrose Schools, Allstate Insurance, The Goddard School
75Customers Bank259$274.5M77$566,70015.2%The Goddard School, Lords & Ladies, Marco's Pizza
76BMO Bank259$160.1M157$350,0002.3%Subway, Svn, Ace Hardware
77First Interstate Bank255$168.1M149$273,0006.6%Subway, Allstate Insurance, Jimmy John's
78CRF Small Business Loan Company, LLC252$85.8M134$275,00013.9%Firehouse Subs, Papa Murphy's, Elements Therapeutic Massage
79Michigan Certified Development Corporation244$267.6M119$828,5002.8%Culver's ButterBurgers & Frozen Custard, Holiday Inn Express, Best Western
80Fulton Bank243$330.4M133$775,00013.9%Quality Inn, Red Roof Inn, Days Inn
81UMB Bank237$111.2M122$227,00011.1%Subway, Anytime Fitness, Cousins Subs
82BancFirst234$109.0M116$253,25010.5%Cicis Pizza, Little Caesars, Marco's Pizza
83Renasant Bank232$210.7M151$459,25011.3%Shane's Rib Shack, The UPS Store, Great American Cookies
84Northeast Bank232$142.9M153$150,00012.8%Burger King, Subway, Liberty Tax Service
85Five Star Bank231$88.1M118$350,00013.0%Blo Blow Dry Bar, Rumble, The Little Gym
86B:Side Capital230$295.5M128$917,5003.0%Ziggi's Coffee, Quality Inn, Primrose Schools
87Small Business Growth Corporation229$229.1M139$701,0000.0%Culver's ButterBurgers & Frozen Custard, Culver's Frozen Custard, Dairy Queen
88Coastal States Bank218$238.3M91$597,0008.6%Mellow Mushroom, Firehouse Subs, Jimmy John's
89United Business Bank213$307.2M117$965,0001.9%Papa John's, Chevron, Shell Service Station
90Midwest Business Finance Corporation213$167.9M113$594,0002.5%Americinn, Dairy Queen, Taco John's
91Millennium Bank211$493.0M92$2,032,5000.0%Super 8 by Wyndhan, Econo Lodge, Motel 6
92SomerCor 504, Inc.203$233.9M122$810,0004.2%Dunkin', Culver's Frozen Custard, Hampton Inn by Hilton
93Hancock Whitney Bank200$95.3M116$298,6506.2%Subway, Little Caesars, Chicken Salad Chick
94SBA CLSC Servicing199$253.2M103$840,0009.1%Choice Hotels International Inc., Holiday Inn Express, Wendy's
95Northwest Bank199$95.3M108$270,0008.1%Subway, Altitude Trampoline Park, Fox's Pizza Den
96Granite State Economic Development Corporation198$218.2M113$484,5002.7%Napa Auto Parts, Aroma Joe's, Best Western
97Merchants Bank of Indiana197$227.6M90$698,700-The UPS Store, RhinoShield, Subway
98Shoreham Bank196$579.6M52$2,862,500-La Quinta by Wyndham, Quality Inn, Super 8 by Wyndhan
99Frost Bank193$88.0M126$290,80014.1%Buttermilk Sky Pie Shop, The UPS Store, Fastest Labs
100Capital One191$207.0M78$581,8005.6%The Goddard School, Bahama Buck's Original Shaved Ice Company, Kiddie Academy

Showing the top 100 of 459 ranked lenders. Each brand page lists the lenders that financed it.

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. 7(a) and 504 approvals from FY2010 onward with a franchise name recorded. Brand names are normalised from a free-text field. All SBA lending charge-off rate for comparison: 7.6%. Methodology.

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