SBA Loans for D-BAT Franchises
Who actually funds D-BAT 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 D-BAT SBA loans
Ranked by number of D-BAT 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | KeyBank National Association | 30 | $24.2M | $808K |
| 2 | Wells Fargo Bank National Association | 17 | $16.8M | $986K |
| 3 | Georgia Banking Company | 4 | $2.7M | $679K |
| 4 | First Internet Bank of Indiana | 3 | $1.9M | $634K |
| 4 | Capital One National Association | 3 | $2.1M | $684K |
| 6 | Wings Credit Union | 2 | $710K | $355K |
| 6 | Beacon Bank and Trust | 2 | $3.0M | $1.5M |
| 6 | Citizens State Bank | 2 | $704K | $352K |
| 6 | Glacier Bank | 2 | $1.4M | $682K |
| 6 | Hancock Whitney Bank | 2 | $2.0M | $1.0M |
| 6 | The Huntington National Bank | 2 | $1000K | $500K |
| 12 | Frost Bank | 1 | $770K | $770K |
| 12 | Community Banks of Colorado, A Division of NBH Bank | 1 | $350K | $350K |
| 12 | Village Bank and Trust, National Association | 1 | $150K | $150K |
| 12 | Citizens Bank | 1 | $739K | $739K |
| 12 | Hinsdale Bank & Trust Company, National Association | 1 | $500K | $500K |
| 12 | Commerce Bank | 1 | $350K | $350K |
| 12 | Magnifi Financial CU | 1 | $600K | $600K |
| 12 | Old Second National Bank | 1 | $1.1M | $1.1M |
| 12 | Summit State Bank | 1 | $975K | $975K |
| 12 | The Bank of Tampa | 1 | $1.0M | $1.0M |
| 12 | The Ephrata National Bank | 1 | $740K | $740K |
| 12 | 22nd State Bank, A Division of 22nd State Banking Company | 1 | $3.2M | $3.2M |
| 12 | U.S. Bank, National Association | 1 | $25K | $25K |
| 12 | First Commonwealth Bank | 1 | $2.4M | $2.4M |
| 12 | First Financial Bank | 1 | $565K | $565K |
| 12 | Farmers State Bank | 1 | $772K | $772K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved D-BAT loan in this period, ranked by loan count.
D-BAT SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| TX | 16 | $10.5M | $657K |
| AL | 4 | $5.9M | $1.5M |
| FL | 6 | $5.8M | $967K |
| CA | 4 | $4.9M | $1.2M |
| PA | 3 | $4.2M | $1.4M |
| IL | 7 | $4.1M | $586K |
| VA | 3 | $3.3M | $1.1M |
| LA | 2 | $2.9M | $1.5M |
| WA | 2 | $2.8M | $1.4M |
| OH | 4 | $2.8M | $696K |
| WI | 6 | $2.7M | $453K |
| MO | 3 | $2.2M | $737K |
| KS | 2 | $2.2M | $1.1M |
| IA | 2 | $1.9M | $947K |
| CT | 1 | $1.8M | $1.8M |
D-BAT SBA loans by year
How D-BAT SBA loans have performed
Outcomes for every funded D-BAT 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 D-BAT 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 D-BAT deal to a lender currently funding this brand.
Financing a D-BAT franchise?
We know which lenders are actively funding D-BAT deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).