SBA Loans for Hammer & Nails Franchises
Who actually funds Hammer & Nails 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 Hammer & Nails SBA loans
Ranked by number of Hammer & Nails 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 27 | $10.3M | $381K |
| 2 | Citizens Bank | 5 | $3.4M | $689K |
| 3 | Georgia's Own Credit Union | 2 | $548K | $274K |
| 3 | Bank of Clarke | 2 | $1.9M | $965K |
| 5 | Gulf Coast Bank and Trust Company | 1 | $714K | $714K |
| 5 | Main Street Launch | 1 | $350K | $350K |
| 5 | Meridian Bank | 1 | $719K | $719K |
| 5 | Readycap Lending, LLC | 1 | $1.2M | $1.2M |
| 5 | Telhio Credit Union Inc | 1 | $288K | $288K |
| 5 | The Bancorp Bank National Association | 1 | $582K | $582K |
| 5 | Triad Bank, National Association | 1 | $540K | $540K |
| 5 | AMPAC Tri-State CDC, Inc. | 1 | $350K | $350K |
| 5 | Wilmington Savings Fund Society FSB | 1 | $653K | $653K |
| 5 | Buckeye State Bank | 1 | $495K | $495K |
| 5 | First Bank of the Lake | 1 | $946K | $946K |
| 5 | First Commonwealth Bank | 1 | $408K | $408K |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved Hammer & Nails loan in this period, ranked by loan count.
Hammer & Nails SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| OH | 16 | $7.1M | $442K |
| UT | 2 | $2.2M | $1.1M |
| DC | 2 | $1.7M | $847K |
| GA | 4 | $1.7M | $419K |
| PA | 2 | $1.4M | $717K |
| TX | 4 | $1.3M | $330K |
| CT | 4 | $1.3M | $330K |
| IL | 3 | $1.2M | $414K |
| MD | 1 | $1.0M | $1.0M |
| NV | 2 | $955K | $478K |
| CO | 1 | $801K | $801K |
| CA | 2 | $700K | $350K |
| NJ | 1 | $653K | $653K |
| FL | 2 | $550K | $275K |
| OK | 1 | $540K | $540K |
Hammer & Nails SBA loans by year
SBA lender notes for Hammer & Nailsfrom the SBA Franchise Directory
1. When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Lease Agreement Rider and Collateral Assignment of Lease may not be executed. 2. Lender/CDC must obtain an affidavit signed by the Applicant that the business is open to both men and women and document their file with evidence that the facility is open to both men and women, such as appropriate bath/locker rooms, or documented membership demographics. Contact franchise@sba.gov for a template of the affidavit. 3. Applicants operating under an Area Representative Agreement are NOT eligible for SBA Financing.
How to use this
The lenders above have actually closed SBA 7(a) loans for Hammer & Nails 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 Hammer & Nails deal to a lender currently funding this brand.
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