SBA Loans for KFC Franchises
Who actually funds KFC SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021 to 2024.
Top lenders funding KFC SBA loans
Ranked by number of KFC 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Frost Bank | 2 | $3.1M | $1.5M |
| 2 | Dime Commercial Bank | 1 | $653K | $653K |
| 2 | Fifth Third Bank | 1 | $500K | $500K |
| 2 | Live Oak Banking Company | 1 | $3.5M | $3.5M |
| 2 | Peapack Private Bank and Trust | 1 | $3.3M | $3.3M |
| 2 | The Huntington National Bank | 1 | $350K | $350K |
| 2 | America First Federal Credit Union | 1 | $1.4M | $1.4M |
| 2 | United Pacific Bank | 1 | $200K | $200K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2024. Shows lenders with at least one approved KFC loan in this period, ranked by loan count.
KFC SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| TX | 3 | $3.6M | $1.2M |
| LA | 1 | $3.5M | $3.5M |
| NY | 1 | $3.3M | $3.3M |
| CA | 2 | $1.6M | $822K |
| MD | 1 | $653K | $653K |
| MI | 1 | $350K | $350K |
KFC SBA loans by year
How KFC SBA loans have performed
Outcomes for every funded KFC 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.
SBA lender notes for KFCfrom the SBA Franchise Directory
When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Addendum to Lease, not be executed.
How to use this
The lenders above have actually closed SBA 7(a) loans for KFC 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 KFC deal to a lender currently funding this brand.
Financing a KFC franchise?
We know which lenders are actively funding KFC deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).