SBA Loans for Auntie Anne's Franchises
Who actually funds Auntie Anne'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 Auntie Anne's SBA loans
Ranked by number of Auntie Anne's 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Fulton Bank, National Association | 3 | $1.6M | $523K |
| 2 | Columbia Bank | 2 | $390K | $195K |
| 2 | Pinnacle Bank | 2 | $709K | $355K |
| 2 | Hanover Community Bank | 2 | $1.0M | $516K |
| 2 | Live Oak Banking Company | 2 | $850K | $425K |
| 2 | Craft Bank | 2 | $1.1M | $543K |
| 2 | The Huntington National Bank | 2 | $737K | $369K |
| 2 | The State Bank and Trust Company | 2 | $855K | $428K |
| 2 | CenTrust Bank, A Division of SmartBiz Bank National Association | 2 | $1.2M | $621K |
| 10 | PCB Bank | 1 | $422K | $422K |
| 10 | South Central Bank, Inc. | 1 | $500K | $500K |
| 10 | Spring Bank | 1 | $200K | $200K |
| 10 | TD Bank, National Association | 1 | $50K | $50K |
| 10 | Bank of America, National Association | 1 | $292K | $292K |
| 10 | U.S. Bank, National Association | 1 | $700K | $700K |
| 10 | Broadway National Bank | 1 | $195K | $195K |
| 10 | Byline Bank | 1 | $700K | $700K |
| 10 | Colony Bank | 1 | $859K | $859K |
| 10 | First Bank of the Lake | 1 | $584K | $584K |
| 10 | Hancock Whitney Bank | 1 | $479K | $479K |
| 10 | Manufacturers and Traders Trust Company | 1 | $100K | $100K |
| 10 | MI Bank | 1 | $344K | $344K |
| 10 | One World Bank | 1 | $560K | $560K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Auntie Anne's loan in this period, ranked by loan count.
Auntie Anne's SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| TX | 7 | $3.6M | $514K |
| IL | 4 | $2.5M | $631K |
| NJ | 4 | $1.6M | $405K |
| OH | 1 | $859K | $859K |
| IN | 2 | $855K | $428K |
| OR | 3 | $740K | $247K |
| MD | 2 | $737K | $369K |
| AL | 2 | $709K | $355K |
| NY | 2 | $700K | $350K |
| PA | 2 | $550K | $275K |
| KY | 1 | $500K | $500K |
| CA | 1 | $422K | $422K |
| MI | 1 | $344K | $344K |
| CO | 1 | $292K | $292K |
Auntie Anne's SBA loans by year
How Auntie Anne's SBA loans have performed
Outcomes for every funded Auntie Anne'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 Auntie Anne'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 Auntie Anne's deal to a lender currently funding this brand.
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