SBA Loans for Garra Spas Franchises
Who actually funds Garra Spas SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2022 to 2025.
Top lenders funding Garra Spas SBA loans
Ranked by number of Garra Spas 7(a) loans approved since 2022.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Newtek Small Business Finance, Inc. | 1 | $197K | $197K |
| 1 | PNC Bank, National Association | 1 | $30K | $30K |
| 1 | Readycap Lending, LLC | 1 | $170K | $170K |
Source: SBA FOIA 7(a) loan-level data, 2022 to 2025. Shows lenders with at least one approved Garra Spas loan in this period, ranked by loan count.
Garra Spas SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| FL | 2 | $227K | $113K |
| TN | 1 | $170K | $170K |
Garra Spas SBA loans by year
How Garra Spas SBA loans have performed
Outcomes for every funded Garra Spas 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 Garra Spas 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 Garra Spas deal to a lender currently funding this brand.
Financing a Garra Spas franchise?
We know which lenders are actively funding Garra Spas deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).