SBA Loans for FYZICAL Franchises
Who actually funds FYZICAL SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021–2026.
Top lenders funding FYZICAL SBA loans
Ranked by number of FYZICAL 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 66 | $12.3M | $187K |
| 2 | First Bank of the Lake | 7 | $2.2M | $310K |
| 3 | Pinnacle Bank | 3 | $867K | $289K |
| 4 | Wilmington Savings Fund Society FSB | 2 | $767K | $384K |
| 4 | Citizens Bank | 2 | $688K | $344K |
| 4 | Old Plank Trail Community Bank National Association | 2 | $200K | $100K |
| 4 | The Bancorp Bank National Association | 2 | $460K | $230K |
| 4 | United Community Bank | 2 | $450K | $225K |
| 4 | Wells Fargo Bank National Association | 2 | $581K | $290K |
| 10 | LiftFund, Inc. | 1 | $200K | $200K |
| 10 | Newtek Small Business Finance, Inc. | 1 | $435K | $435K |
| 10 | BayFirst National Bank | 1 | $150K | $150K |
| 10 | Celtic Bank Corporation | 1 | $100K | $100K |
| 10 | Seacoast National Bank | 1 | $201K | $201K |
| 10 | SNB Bank, National Association | 1 | $95K | $95K |
| 10 | VelocitySBA, LLC | 1 | $250K | $250K |
| 10 | The Harbor Bank of Maryland | 1 | $558K | $558K |
| 10 | Capital One, National Association | 1 | $601K | $601K |
| 10 | Climate First Bank | 1 | $350K | $350K |
| 10 | First Community Bank | 1 | $758K | $758K |
| 10 | First National Bank of Coffee County | 1 | $285K | $285K |
| 10 | Grow America Fund, Incorporated | 1 | $250K | $250K |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved FYZICAL loan in this period, ranked by loan count.
FYZICAL SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| TX | 22 | $5.7M | $257K |
| FL | 13 | $2.7M | $211K |
| GA | 8 | $2.0M | $247K |
| PA | 6 | $1.5M | $257K |
| MO | 6 | $1.1M | $186K |
| SC | 4 | $1.0M | $258K |
| NJ | 5 | $1.0M | $202K |
| OH | 6 | $995K | $166K |
| NC | 3 | $945K | $315K |
| MN | 3 | $884K | $295K |
| MA | 3 | $704K | $235K |
| CO | 4 | $579K | $145K |
| MD | 1 | $558K | $558K |
| MI | 3 | $445K | $148K |
| AL | 1 | $435K | $435K |
FYZICAL SBA loans by year
SBA lender notes for FYZICALfrom the SBA Franchise Directory
1. When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Lease Addendum to Lease Agreement may not be executed. 2. 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. 3. Applicants operating under the Area Representative Agreement are not eligible for SBA assistance.
How to use this
The lenders above have actually closed SBA 7(a) loans for FYZICAL 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 FYZICAL deal to a lender currently funding this brand.
Financing a FYZICAL franchise?
We know which lenders are actively funding FYZICAL deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).