Which Franchises Get SBA Funded — and for How Much

7,148 of the 78,078 SBA 7(a) loans approved in FY2025 went to franchises — 9.2% of all approvals. If you are weighing a franchise, this is the closest thing to a public record of what lenders will put behind each brand.

The most SBA-funded franchise brands

Why franchises fund more easily

A franchise arrives with something almost no independent startup has: a documented unit economic history. The Franchise Disclosure Document gives an underwriter revenue patterns from existing units, a proven build cost and a support structure, which substitutes for the trading history a first-time owner cannot provide. That is why franchise files clear underwriting at sizes an equivalent independent startup would not.

The median loan next to each brand is the useful number — it is roughly what lenders have been willing to fund a unit for, and it is a sanity check on the project cost you are being quoted. Brand names appear because the SBA publishes them; nothing here is an endorsement of any brand, and we are not affiliated with them.

How SBA franchise financing works — the directory rule, the injection you will be expected to make, and realistic timelines.

Source: U.S. Small Business Administration, 7(a) and 504 FOIA loan data (data.sba.gov), files as of 30 June 2026, read on 1 September 2026. Figures cover loan APPROVALS, not disbursements, and the files contain no declined applications — so no approval rate can be calculated from them. Fiscal year 2026 is partial (1 October 2025 to 30 June 2026). Aggregated by Goldspur Capital; borrower-level records are not published. Franchise figures count only loans where SBA recorded a franchise name; brands with fewer than five approvals in the year are not listed. Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.