SBA Loans for Garner Franchises
Who actually funds Garner SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2025 to 2026.
Top lenders funding Garner SBA loans
Ranked by number of Garner 7(a) loans approved since 2025.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Farmers State Bank of Alto Pass, Illinois | 1 | $2.3M | $2.3M |
| 1 | HomeTrust Bank | 1 | $5.0M | $5.0M |
| 1 | US Metro Bank | 1 | $2.1M | $2.1M |
Source: SBA FOIA 7(a) loan-level data, 2025 to 2026. Shows lenders with at least one approved Garner loan in this period, ranked by loan count.
Garner SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| NC | 1 | $5.0M | $5.0M |
| LA | 1 | $2.3M | $2.3M |
| TX | 1 | $2.1M | $2.1M |
Garner SBA loans by year
How Garner SBA loans have performed
Outcomes for every funded Garner 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 Garnerfrom the SBA Franchise Directory
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.
How to use this
The lenders above have actually closed SBA 7(a) loans for Garner 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 Garner deal to a lender currently funding this brand.
Financing a Garner franchise?
We know which lenders are actively funding Garner deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).