SBA Loans for Bio-One Franchises
Who actually funds Bio-One 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 Bio-One SBA loans
Ranked by number of Bio-One 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | United Midwest Savings Bank National Association | 32 | $5.0M | $156K |
| 2 | Newtek Bank, National Association | 2 | $220K | $110K |
| 2 | Readycap Lending, LLC | 2 | $383K | $191K |
| 2 | UMB Bank, National Association | 2 | $350K | $175K |
| 2 | KeyBank National Association | 2 | $425K | $213K |
| 6 | U.S. Bank, National Association | 1 | $51K | $51K |
| 6 | First Business Bank | 1 | $188K | $188K |
| 6 | First Commonwealth Bank | 1 | $197K | $197K |
| 6 | Manufacturers and Traders Trust Company | 1 | $75K | $75K |
| 6 | ACC Capital | 1 | $174K | $174K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Bio-One loan in this period, ranked by loan count.
Bio-One SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| CA | 9 | $1.4M | $156K |
| TX | 4 | $724K | $181K |
| GA | 3 | $600K | $200K |
| AZ | 3 | $600K | $200K |
| MD | 4 | $500K | $125K |
| PA | 3 | $497K | $166K |
| KS | 2 | $350K | $175K |
| NC | 2 | $300K | $150K |
| MA | 2 | $300K | $150K |
| NJ | 1 | $224K | $224K |
| WA | 1 | $159K | $159K |
| WI | 1 | $150K | $150K |
| KY | 1 | $150K | $150K |
| OR | 1 | $150K | $150K |
| SC | 1 | $150K | $150K |
| CO | 1 | $150K | $150K |
| FL | 1 | $150K | $150K |
| NV | 1 | $150K | $150K |
Bio-One SBA loans by year
How Bio-One SBA loans have performed
Outcomes for every funded Bio-One 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 Bio-One 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 Bio-One deal to a lender currently funding this brand.
Financing a Bio-One franchise?
We know which lenders are actively funding Bio-One deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).