SBA Loans for Hardee's Franchises
Who actually funds Hardee's 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 Hardee's SBA loans
Ranked by number of Hardee's 7(a) loans approved since 2022.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Columbia Bank | 1 | $1.4M | $1.4M |
| 1 | North State Bank | 1 | $4.5M | $4.5M |
| 1 | United FCU | 1 | $690K | $690K |
Source: SBA FOIA 7(a) loan-level data, 2022 to 2025. Shows lenders with at least one approved Hardee's loan in this period, ranked by loan count.
Hardee's SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| NC | 1 | $4.5M | $4.5M |
| CA | 1 | $1.4M | $1.4M |
| MI | 1 | $690K | $690K |
Hardee's SBA loans by year
How Hardee's SBA loans have performed
Outcomes for every funded Hardee's 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 Hardee's 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 Hardee's deal to a lender currently funding this brand.
Financing a Hardee's franchise?
We know which lenders are actively funding Hardee's deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).