SBA Loans for AtWork Franchises
Who actually funds AtWork SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2023 to 2026.
Top lenders funding AtWork SBA loans
Ranked by number of AtWork 7(a) loans approved since 2023.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | CDC Small Business Finance Corp. | 6 | $1.3M | $220K |
| 2 | Readycap Lending, LLC | 2 | $329K | $165K |
| 3 | Bank of America, National Association | 1 | $300K | $300K |
| 3 | BayFirst National Bank | 1 | $150K | $150K |
| 3 | First Bank of the Lake | 1 | $200K | $200K |
Source: SBA FOIA 7(a) loan-level data, 2023 to 2026. Shows lenders with at least one approved AtWork loan in this period, ranked by loan count.
AtWork SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| GA | 3 | $660K | $220K |
| NV | 2 | $450K | $225K |
| FL | 2 | $379K | $190K |
| VA | 1 | $300K | $300K |
| WI | 1 | $181K | $181K |
| TX | 1 | $180K | $180K |
| NC | 1 | $150K | $150K |
AtWork SBA loans by year
How AtWork SBA loans have performed
Outcomes for every funded AtWork 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.
SBA lender notes for AtWorkfrom the SBA Franchise Directory
1. Lender/CDC must perfect a security interest in the franchisee's portion of the franchisor's accounts receivable as described in the SBA Negotiated Addendum. 2. Lender may only use the SBA Negotiated Addendum..
How to use this
The lenders above have actually closed SBA 7(a) loans for AtWork 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 AtWork deal to a lender currently funding this brand.
Financing a AtWork franchise?
We know which lenders are actively funding AtWork deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).