SBA Loans for Fresh Coat Franchises
Who actually funds Fresh Coat 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 Fresh Coat SBA loans
Ranked by number of Fresh Coat 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | United Midwest Savings Bank National Association | 5 | $700K | $140K |
| 2 | KeyBank National Association | 3 | $2.3M | $758K |
| 3 | The Huntington National Bank | 2 | $285K | $143K |
| 4 | Civista Bank | 1 | $63K | $63K |
| 4 | Community National Bank & Trust | 1 | $103K | $103K |
| 4 | iTHINK Financial Credit Union | 1 | $100K | $100K |
| 4 | Arvest Bank | 1 | $108K | $108K |
| 4 | Newtek Bank, National Association | 1 | $100K | $100K |
| 4 | PeopleFund | 1 | $153K | $153K |
| 4 | Pinnacle Bank | 1 | $649K | $649K |
| 4 | Byline Bank | 1 | $375K | $375K |
| 4 | BayFirst National Bank | 1 | $150K | $150K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Fresh Coat loan in this period, ranked by loan count.
Fresh Coat SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| OH | 4 | $2.3M | $584K |
| SC | 1 | $649K | $649K |
| CA | 2 | $525K | $263K |
| FL | 3 | $385K | $128K |
| TX | 2 | $303K | $151K |
| GA | 2 | $250K | $125K |
| IL | 1 | $150K | $150K |
| UT | 1 | $150K | $150K |
| AR | 1 | $108K | $108K |
| KS | 1 | $103K | $103K |
| MA | 1 | $100K | $100K |
Fresh Coat SBA loans by year
How Fresh Coat SBA loans have performed
Outcomes for every funded Fresh Coat 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 Fresh Coat 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 Fresh Coat deal to a lender currently funding this brand.
Financing a Fresh Coat franchise?
We know which lenders are actively funding Fresh Coat deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).