SBA Loans for Lean Kitchen Franchises
Who actually funds Lean Kitchen SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021 to 2026.
Top lenders funding Lean Kitchen SBA loans
Ranked by number of Lean Kitchen 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 9 | $1.6M | $177K |
| 2 | First Bank of the Lake | 2 | $642K | $321K |
| 3 | Business Development Corporation of South Carolina | 1 | $517K | $517K |
| 3 | Magnifi Financial CU | 1 | $276K | $276K |
| 3 | Port 51 Lending LLC | 1 | $325K | $325K |
| 3 | The Bank of Missouri | 1 | $67K | $67K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Lean Kitchen loan in this period, ranked by loan count.
Lean Kitchen SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| FL | 4 | $1.0M | $252K |
| SC | 3 | $518K | $173K |
| NC | 1 | $517K | $517K |
| TX | 2 | $365K | $183K |
| MN | 2 | $345K | $173K |
| GA | 1 | $325K | $325K |
| AR | 1 | $276K | $276K |
| MO | 1 | $67K | $67K |
Lean Kitchen SBA loans by year
How Lean Kitchen SBA loans have performed
Outcomes for every funded Lean Kitchen 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 Lean Kitchenfrom the SBA Franchise Directory
When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Rider to Lease Agreement may not be executed.
How to use this
The lenders above have actually closed SBA 7(a) loans for Lean Kitchen 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 Lean Kitchen deal to a lender currently funding this brand.
Financing a Lean Kitchen franchise?
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