SBA Loans for Lunatic Fringe Franchises
Who actually funds Lunatic Fringe SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2024 to 2025.
Top lenders funding Lunatic Fringe SBA loans
Ranked by number of Lunatic Fringe 7(a) loans approved since 2024.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Mountain America FCU | 2 | $252K | $126K |
| 2 | PNC Bank, National Association | 1 | $250K | $250K |
| 2 | Zions Bank, A Division of | 1 | $60K | $60K |
Source: SBA FOIA 7(a) loan-level data, 2024 to 2025. Shows lenders with at least one approved Lunatic Fringe loan in this period, ranked by loan count.
Lunatic Fringe SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| UT | 3 | $312K | $104K |
| OH | 1 | $250K | $250K |
Lunatic Fringe SBA loans by year
How Lunatic Fringe SBA loans have performed
Outcomes for every funded Lunatic Fringe 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 Lunatic Fringe 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 Lunatic Fringe deal to a lender currently funding this brand.
Financing a Lunatic Fringe franchise?
We know which lenders are actively funding Lunatic Fringe deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).