SBA Loans for Fazoli's Franchises
Who actually funds Fazoli's SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021 to 2023.
Top lenders funding Fazoli's SBA loans
Ranked by number of Fazoli's 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Gulf Coast Bank and Trust Company | 2 | $310K | $155K |
| 2 | Community Trust Bank, Inc. | 1 | $1.1M | $1.1M |
| 2 | First Commonwealth Bank | 1 | $2.8M | $2.8M |
| 2 | First Federal Bank | 1 | $2.5M | $2.5M |
| 2 | Pinnacle Bank | 1 | $1.3M | $1.3M |
| 2 | TD Bank, National Association | 1 | $820K | $820K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2023. Shows lenders with at least one approved Fazoli's loan in this period, ranked by loan count.
Fazoli's SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| GA | 2 | $4.0M | $2.0M |
| FL | 2 | $3.3M | $1.7M |
| KY | 1 | $1.1M | $1.1M |
| TX | 2 | $310K | $155K |
Fazoli's SBA loans by year
How Fazoli's SBA loans have performed
Outcomes for every funded Fazoli's 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 Fazoli'sfrom the SBA Franchise Directory
1. When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Attorney Letters regarding leasing, the Right to Lease and Lease Amendment may not be executed. 2. Franchisor may not record the Memorandum of Right of First Refusal against the SBA collateral real estate.
How to use this
The lenders above have actually closed SBA 7(a) loans for Fazoli's 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 Fazoli's deal to a lender currently funding this brand.
Financing a Fazoli's franchise?
We know which lenders are actively funding Fazoli's deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).