SBA Loans for Arby's Franchises
Who actually funds Arby's SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021 to 2026.
Top lenders funding Arby's SBA loans
Ranked by number of Arby's 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Oriental Bank | 3 | $2.4M | $812K |
| 1 | Live Oak Banking Company | 3 | $3.5M | $1.2M |
| 3 | Citizens Bank, National Association | 1 | $320K | $320K |
| 3 | Economic Development Bank for Puerto Rico | 1 | $1.1M | $1.1M |
| 3 | First Internet Bank of Indiana | 1 | $1.2M | $1.2M |
| 3 | Horizon Bank | 1 | $440K | $440K |
| 3 | Newtek Bank, National Association | 1 | $1.4M | $1.4M |
| 3 | Peapack Private Bank and Trust | 1 | $910K | $910K |
| 3 | Readycap Lending, LLC | 1 | $800K | $800K |
| 3 | Ameris Bank | 1 | $860K | $860K |
| 3 | The Huntington National Bank | 1 | $250K | $250K |
| 3 | Capital One National Association | 1 | $1.5M | $1.5M |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Arby's loan in this period, ranked by loan count.
Arby's SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| CA | 4 | $4.3M | $1.1M |
| PR | 4 | $3.6M | $888K |
| NY | 2 | $3.0M | $1.5M |
| KY | 1 | $1.2M | $1.2M |
| PA | 1 | $910K | $910K |
| TN | 1 | $860K | $860K |
| MI | 2 | $690K | $345K |
| OH | 1 | $320K | $320K |
Arby's SBA loans by year
How Arby's SBA loans have performed
Outcomes for every funded Arby's 7(a) loan approved since FY2010. Each SBA loan usually finances one location, so read these as an estimate of units.
Source: SBA FOIA 7(a) loan-level data. Defaulted means the SBA purchased the guaranty (charged off, or purchased and not yet charged off). Recent loans have had less time to default, and small loan counts swing widely, so one or two loans can move these percentages a lot.
How to use this
The lenders above have actually closed SBA 7(a) loans for Arby's franchisees, so they already understand the brand's model, unit economics, and franchise agreement. That familiarity usually means a faster, cleaner underwrite than a lender seeing the concept for the first time.
A lender being active historically doesn't mean they're the right fit for your deal size, location, or timing right now. That's where we come in, and we match your Arby's deal to a lender currently funding this brand.
Financing a Arby's franchise?
We know which lenders are actively funding Arby's deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).