SBA Loans for Made In the Shade Franchises
Who actually funds Made In the Shade 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 Made In the Shade SBA loans
Ranked by number of Made In the Shade 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | United Midwest Savings Bank National Association | 11 | $1.6M | $146K |
| 2 | Cache Valley Bank | 1 | $125K | $125K |
| 2 | Citizens Bank | 1 | $462K | $462K |
| 2 | First Bank of the Lake | 1 | $294K | $294K |
| 2 | Live Oak Banking Company | 1 | $150K | $150K |
| 2 | SouthState Bank, National Association | 1 | $1.2M | $1.2M |
| 2 | U.S. Bank, National Association | 1 | $25K | $25K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Made In the Shade loan in this period, ranked by loan count.
Made In the Shade SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| CO | 1 | $1.2M | $1.2M |
| NJ | 4 | $619K | $155K |
| CA | 1 | $462K | $462K |
| FL | 2 | $300K | $150K |
| MO | 1 | $150K | $150K |
| AL | 1 | $150K | $150K |
| KY | 1 | $150K | $150K |
| MD | 1 | $150K | $150K |
| NC | 1 | $150K | $150K |
| RI | 1 | $150K | $150K |
| SC | 1 | $150K | $150K |
| UT | 1 | $125K | $125K |
| OH | 1 | $106K | $106K |
Made In the Shade SBA loans by year
How Made In the Shade SBA loans have performed
Outcomes for every funded Made In the Shade 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 Made In the Shade 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 Made In the Shade deal to a lender currently funding this brand.
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