SBA Loans for Five Guys Franchises
Who actually funds Five Guys 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 Five Guys SBA loans
Ranked by number of Five Guys 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | KeyBank National Association | 2 | $4.2M | $2.1M |
| 1 | Live Oak Banking Company | 2 | $2.8M | $1.4M |
| 3 | Bank of America, National Association | 1 | $897K | $897K |
| 3 | Dime Commercial Bank | 1 | $3.4M | $3.4M |
| 3 | The Huntington National Bank | 1 | $798K | $798K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Five Guys loan in this period, ranked by loan count.
Five Guys SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| NJ | 2 | $5.7M | $2.8M |
| WA | 3 | $5.0M | $1.7M |
| OH | 1 | $798K | $798K |
| VA | 1 | $500K | $500K |
Five Guys SBA loans by year
How Five Guys SBA loans have performed
Outcomes for every funded Five Guys 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 Five Guysfrom the SBA Franchise Directory
When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Collateral Assignment of Lease and Consent & Agreement of Lessor may note be executed.
How to use this
The lenders above have actually closed SBA 7(a) loans for Five Guys 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 Five Guys deal to a lender currently funding this brand.
Financing a Five Guys franchise?
We know which lenders are actively funding Five Guys deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).