SBA Loans for Huddle House Franchises
Who actually funds Huddle House SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021 to 2022.
Top lenders funding Huddle House SBA loans
Ranked by number of Huddle House 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | First Bank of the Lake | 2 | $2.7M | $1.3M |
| 2 | Celtic Bank Corporation | 1 | $1.6M | $1.6M |
| 2 | First Mid Bank & Trust, National Association | 1 | $2.2M | $2.2M |
| 2 | United Bank | 1 | $2.1M | $2.1M |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2022. Shows lenders with at least one approved Huddle House loan in this period, ranked by loan count.
Huddle House SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| IL | 1 | $2.2M | $2.2M |
| GA | 1 | $2.1M | $2.1M |
| TN | 1 | $2.0M | $2.0M |
| TX | 1 | $1.6M | $1.6M |
| AL | 1 | $660K | $660K |
Huddle House SBA loans by year
How Huddle House SBA loans have performed
Outcomes for every funded Huddle House 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 Huddle House 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 Huddle House deal to a lender currently funding this brand.
Financing a Huddle House franchise?
We know which lenders are actively funding Huddle House deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).