SBA loans to franchise brands

Name: SBA loans to franchise brands
Creator: Janover Capital LLC
License: https://creativecommons.org/licenses/by/4.0/

Janover Capital editorial team · Data as of June 30, 2026

Short answer

SBA's 7(a) file names 411 franchise and supply brands with 25 or more loans each since October 2019. The UPS Store has the most since October 2023, with 368 loans. Source: SBA 7(a) loan file.

Brands with 25 or more loans: 411
Loans to these brands since Oct 2019: 28,588
Dollars approved: $23.42B

These pages are not from the brands

Janover Capital LLC runs this site. No brand listed here provided, reviewed, approved or paid for these pages.

Brand names are used only to identify the brand SBA recorded on each loan. A listing is not an endorsement or a recommendation. Brand names are trademarks of their owners.

What each brand page shows

Each brand page reports what SBA's loan file shows for that brand.

Loan counts, dollars and sizes, since Oct 2019 and since Oct 2023
The median rate at approval and the spread over Prime
How many loans went through SBA Express
The lenders and states with the most loans
Charge-offs on loans approved from October 2019 to September 2022, with a caution about small groups

The file lists approved loans only. It cannot show how many applicants were declined, so nothing here estimates approval odds. A figure built on fewer than 5 loans is not published.

Brands with the most SBA loans since October 2023

The UPS Store leads with 368 loans, then Hotworx with 179 and Naturals2Go with 142.

Brands ranked by SBA loans approved since October 2023
Brand	Loans since Oct 2023	Loans since Oct 2019	Median loan
The UPS Store	368	932	$350,000
Hotworx	179	448	$480,000
Naturals2Go	142	256	$150,000
The Back Nine	142	146	$350,000
Gameday Men's Health	133	136	$256,000
Subway	116	323	$203,400
Domino's Pizza	107	237	$585,900
Bricks & Minifigs	103	113	$217,000
Tropical Smoothie Cafe	103	256	$507,000
Anytime Fitness	101	304	$500,000
The Goddard School	101	266	$1,325,000
Scooter's Coffee	99	243	$1,260,100
Quality Inn	98	311	$2,912,500
The Learning Experience	96	190	$500,000
Alloy Personal Training	92	107	$335,000
Woof Gang Bakery and Grooming	91	111	$311,500
D1 Training	87	139	$616,800
Days Inn	82	233	$2,535,500
Super 8	82	269	$2,015,500
Cold Stone Creamery	81	183	$453,100
Jersey Mike's Subs	79	248	$615,000
Paris Baguette	77	110	$1,365,000
The Little Gym	76	109	$498,700
Ace Hardware	75	292	$640,000
Kiddie Academy	73	170	$676,000

Ranked by loan volume. Loan volume is not a measure of quality.

All 411 brands, A to Z

Jump to: 0-9, A, B, C, D, E, F, G, H, I, J, K, L, M, N, O, P, Q, R, S, T, U, V, W, X, Y, Z.

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Quality Inn311 loans since Oct 2019

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X-Golf125 loans since Oct 2019

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YogaSix121 loans since Oct 2019

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Common questions

Can I get an SBA loan to buy a franchise?

Yes, if a lender approves you and the brand is eligible. Under SBA rules, a brand that meets the FTC definition of a franchise must be on the SBA Franchise Directory to obtain SBA financing (SOP 50 10 8.1, Sec. A, Ch. 1, Para. G). A lender makes the loan with an SBA guaranty. Check the brand on the SBA Franchise Directory, then ask your lender.

What is the SBA Franchise Directory?

It is SBA's list of franchise and other brands it has reviewed and found eligible. SBA says placement on the Directory is not an endorsement or a guaranty of the success of the brand (SOP 50 10 8.1, Sec. A, Ch. 1, Para. G).

How does a lender treat a first unit compared with an added unit?

Lenders usually treat a first unit as a start-up and an owner adding units as an expansion. SBA counts a business as a start-up when it has been in operation for 1 year or less. A Standard 7(a) or 7(a) Small loan to a start-up requires an equity injection of at least 10% of total project costs. A Standard 7(a) loan is more than $350,000, and a 7(a) Small loan is $350,000 or less. When you buy an existing unit, SBA's change-of-ownership rules apply. An operating business that buys another can qualify as a Business Expansion, which needs debt service coverage of 1.15:1. An Initial Acquisition needs 1.25:1 (SOP 50 10 8.1, App. 15, Para. C.2.b).

Do these pages rate or rank franchise brands?

No. They report what SBA's loan file shows. The order is loan volume, which says nothing about whether a brand is a good buy. Ask each brand for its franchise disclosure document and talk with current owners before you sign.

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. Franchise is the brand SBA recorded on the loan. Brands are those SBA's file names with 25 or more loans since October 2019. Cancelled loans are not counted. How we build these pages.

Sources

Download this page's data: JSON · CSV

Cite this page: SBA loans to franchise brands. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/franchises/

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