SBA Loans for HTeaO Franchises
Who actually funds HTeaO 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 HTeaO SBA loans
Ranked by number of HTeaO 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Bank Five Nine | 15 | $18.6M | $1.2M |
| 2 | The Huntington National Bank | 9 | $8.3M | $923K |
| 3 | BancFirst | 5 | $5.9M | $1.2M |
| 4 | Amistad Bank | 4 | $7.7M | $1.9M |
| 5 | Northwest Bank | 3 | $2.0M | $682K |
| 6 | Frost Bank | 2 | $848K | $424K |
| 7 | First Bank of the Lake | 1 | $2.0M | $2.0M |
| 7 | Frontier Bank of Texas | 1 | $350K | $350K |
| 7 | Happen Bank | 1 | $1.8M | $1.8M |
| 7 | Landmark National Bank | 1 | $150K | $150K |
| 7 | MidFirst Bank | 1 | $519K | $519K |
| 7 | Midwest Regional Bank | 1 | $779K | $779K |
| 7 | PlainsCapital Bank | 1 | $804K | $804K |
| 7 | Security National Bank of Omaha | 1 | $2.5M | $2.5M |
| 7 | Simmons Bank | 1 | $242K | $242K |
| 7 | SouthWest Bank | 1 | $1.7M | $1.7M |
| 7 | The Bancorp Bank National Association | 1 | $876K | $876K |
| 7 | America First Federal Credit Union | 1 | $150K | $150K |
| 7 | Truist Bank | 1 | $2.5M | $2.5M |
| 7 | American Momentum Bank | 1 | $758K | $758K |
| 7 | Bank of Central Florida | 1 | $530K | $530K |
| 7 | Bank of Clarke | 1 | $811K | $811K |
| 7 | Capital Certified Development Corporation | 1 | $250K | $250K |
| 7 | Cornerstone Capital Bank SSB | 1 | $952K | $952K |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved HTeaO loan in this period, ranked by loan count.
HTeaO SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| TX | 38 | $40.2M | $1.1M |
| OK | 6 | $8.0M | $1.3M |
| AZ | 5 | $7.9M | $1.6M |
| TN | 3 | $3.4M | $1.1M |
| FL | 2 | $1.3M | $644K |
| MO | 2 | $250K | $125K |
HTeaO SBA loans by year
SBA lender notes for HTeaOfrom the SBA Franchise Directory
When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Lease Ridermay not be executed.
How to use this
The lenders above have actually closed SBA 7(a) loans for HTeaO 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 HTeaO deal to a lender currently funding this brand.
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