SBA Loans for DRIPBaR Franchises
Who actually funds DRIPBaR SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021–2025.
Top lenders funding DRIPBaR SBA loans
Ranked by number of DRIPBaR 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 25 | $4.8M | $191K |
| 2 | Equity Bank | 3 | $565K | $188K |
| 2 | Manufacturers and Traders Trust Company | 3 | $625K | $208K |
| 4 | Central Bank | 2 | $356K | $178K |
| 4 | Citizens Bank | 2 | $624K | $312K |
| 6 | Prime Security Bank | 1 | $230K | $230K |
| 6 | TruNorth Bank | 1 | $350K | $350K |
| 6 | Arizona Capital Source | 1 | $231K | $231K |
| 6 | United Community Bank | 1 | $350K | $350K |
| 6 | First Pryority Bank | 1 | $66K | $66K |
| 6 | First United Bank | 1 | $249K | $249K |
| 6 | iTHINK Financial Credit Union | 1 | $310K | $310K |
| 6 | Newtek Small Business Finance, Inc. | 1 | $305K | $305K |
Source: SBA FOIA 7(a) loan-level data, 2021–2025. Shows lenders with at least one approved DRIPBaR loan in this period, ranked by loan count.
DRIPBaR SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| VA | 8 | $1.7M | $212K |
| FL | 7 | $1.6M | $230K |
| TX | 6 | $1.2M | $200K |
| MD | 4 | $900K | $225K |
| GA | 3 | $594K | $198K |
| MO | 3 | $565K | $188K |
| MA | 1 | $350K | $350K |
| NH | 1 | $350K | $350K |
| CA | 1 | $289K | $289K |
| SC | 1 | $254K | $254K |
| ND | 1 | $249K | $249K |
| NY | 2 | $244K | $122K |
| AZ | 1 | $231K | $231K |
| MN | 1 | $230K | $230K |
| MI | 2 | $202K | $101K |
DRIPBaR SBA loans by year
SBA lender notes for DRIPBaRfrom the SBA Franchise Directory
1. When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Lease Rider may not be executed. 2. Franchisor may not enforce a Purchase Option on the Real Estate if owned by the franchisee or an affiliate of the franchisee and taken as collateral for the SBA Loan. 3. Lender/CDC must ensure that they obtain the correct lien position on all collateral as required pursuant to the SOP 50 10. 4. If Applicant also operates under a management agreement with a third party, Lender/CDC must review the management agreement in accordance with SOP 50 10 to determine if there is affiliation between the Applicant and the management company. The Applicant is not eligible if the management company is, or is affiliated with, the franchisor. 5. Applicants operating under an Area Representative Agreement are not eligible for SBA financing.
How to use this
The lenders above have actually closed SBA 7(a) loans for DRIPBaR 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 — we match your DRIPBaR deal to a lender currently funding this brand.
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