SBA Loans for Jimmy John's Franchises
Who actually funds Jimmy John's 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 Jimmy John's SBA loans
Ranked by number of Jimmy John's 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 14 | $4.4M | $318K |
| 2 | Live Oak Banking Company | 7 | $9.3M | $1.3M |
| 3 | Old National Bank | 6 | $5.8M | $971K |
| 3 | Granite Bank | 6 | $4.9M | $821K |
| 5 | LendingClub Bank, National Association | 5 | $2.0M | $402K |
| 6 | Forcht Bank, National Association | 4 | $992K | $248K |
| 6 | BankVista | 4 | $2.6M | $652K |
| 6 | The Park National Bank | 4 | $2.9M | $719K |
| 9 | Readycap Lending, LLC | 3 | $7.9M | $2.6M |
| 9 | Choice Financial Group | 3 | $4.6M | $1.5M |
| 9 | Citizens Bank | 3 | $938K | $313K |
| 9 | Union Bank and Trust Company | 3 | $4.7M | $1.6M |
| 9 | Flagstar Bank National Association | 3 | $1.2M | $393K |
| 9 | Gulf Coast Bank and Trust Company | 3 | $1.4M | $480K |
| 9 | First Commonwealth Bank | 3 | $2.1M | $714K |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved Jimmy John's loan in this period, ranked by loan count.
Jimmy John's SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| MN | 15 | $12.9M | $859K |
| NC | 10 | $8.5M | $853K |
| OH | 12 | $6.5M | $541K |
| IN | 6 | $5.8M | $971K |
| TX | 5 | $5.3M | $1.1M |
| CO | 4 | $5.0M | $1.2M |
| AZ | 3 | $4.8M | $1.6M |
| IL | 4 | $4.8M | $1.2M |
| MI | 8 | $4.8M | $600K |
| MO | 4 | $4.6M | $1.1M |
| GA | 8 | $4.5M | $561K |
| CA | 6 | $4.4M | $729K |
| WA | 6 | $4.3M | $711K |
| NE | 2 | $4.0M | $2.0M |
| IA | 1 | $3.0M | $3.0M |
Jimmy John's SBA loans by year
SBA lender notes for Jimmy John'sfrom the SBA Franchise Directory
When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Option to Assume Lease may not be executed.
How to use this
The lenders above have actually closed SBA 7(a) loans for Jimmy John'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 — we match your Jimmy John's deal to a lender currently funding this brand.
Financing a Jimmy John's franchise?
We know which lenders are actively funding Jimmy John's deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).