SBA Loans for COIT Franchises
Who actually funds COIT SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021 to 2024.
Top lenders funding COIT SBA loans
Ranked by number of COIT 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | First National Bank of Pennsylvania | 2 | $2.9M | $1.4M |
| 1 | Glacier Bank | 2 | $1.1M | $525K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2024. Shows lenders with at least one approved COIT loan in this period, ranked by loan count.
COIT SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| OH | 2 | $2.9M | $1.4M |
| CO | 2 | $1.1M | $525K |
COIT SBA loans by year
How COIT SBA loans have performed
Outcomes for every funded COIT 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 COIT 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 COIT deal to a lender currently funding this brand.
Financing a COIT franchise?
We know which lenders are actively funding COIT deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).