SBA Loans for Earthwise Pet Franchises
Who actually funds Earthwise Pet 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 Earthwise Pet SBA loans
Ranked by number of Earthwise Pet 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | TowneBank | 8 | $3.8M | $471K |
| 2 | Citizens Bank | 3 | $2.0M | $669K |
| 3 | KeyBank National Association | 2 | $340K | $170K |
| 3 | Happen Bank | 2 | $1.2M | $619K |
| 3 | Celtic Bank Corporation | 2 | $1.3M | $648K |
| 3 | D. L. Evans Bank | 2 | $350K | $175K |
| 3 | FDIC - Community Bank & Trust-West Georgia | 2 | $838K | $419K |
| 8 | U.S. Bank, National Association | 1 | $508K | $508K |
| 8 | BancFirst | 1 | $408K | $408K |
| 8 | First United Bank and Trust Company | 1 | $381K | $381K |
| 8 | Hanover Community Bank | 1 | $680K | $680K |
| 8 | JPMorgan Chase Bank, National Association | 1 | $790K | $790K |
| 8 | Live Oak Banking Company | 1 | $600K | $600K |
| 8 | Meridian Bank | 1 | $500K | $500K |
| 8 | Milestone Bank | 1 | $480K | $480K |
| 8 | Northern Bank and Trust Company | 1 | $315K | $315K |
| 8 | Pony Express Bank | 1 | $662K | $662K |
| 8 | Renasant Bank | 1 | $467K | $467K |
| 8 | United Community Bank | 1 | $667K | $667K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Earthwise Pet loan in this period, ranked by loan count.
Earthwise Pet SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| MT | 3 | $1.9M | $648K |
| TX | 3 | $1.8M | $603K |
| OH | 4 | $1.6M | $407K |
| CO | 2 | $1.3M | $644K |
| GA | 2 | $1.3M | $633K |
| NY | 3 | $1.1M | $379K |
| WA | 2 | $838K | $419K |
| OK | 2 | $789K | $395K |
| AZ | 2 | $687K | $344K |
| MI | 1 | $680K | $680K |
| MA | 1 | $677K | $677K |
| MO | 1 | $662K | $662K |
| OR | 1 | $619K | $619K |
| NC | 1 | $618K | $618K |
| IA | 1 | $508K | $508K |
Earthwise Pet SBA loans by year
How Earthwise Pet SBA loans have performed
Outcomes for every funded Earthwise Pet 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.
SBA lender notes for Earthwise Petfrom the SBA Franchise Directory
Lender/CDC must ensure they acquire the correct lien position on all collateral as required pursuant to the SOP 50 10.
How to use this
The lenders above have actually closed SBA 7(a) loans for Earthwise Pet 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 Earthwise Pet deal to a lender currently funding this brand.
Financing a Earthwise Pet franchise?
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