SBA Loans for Massage Envy Franchises
Who actually funds Massage Envy SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021–2025.
Top lenders funding Massage Envy SBA loans
Ranked by number of Massage Envy 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Readycap Lending, LLC | 2 | $1.5M | $731K |
| 1 | Customers Bank | 2 | $1.2M | $596K |
| 1 | Manufacturers and Traders Trust Company | 2 | $100K | $50K |
| 1 | Pan American Bank & Trust | 2 | $1.4M | $720K |
| 1 | The Huntington National Bank | 2 | $830K | $415K |
| 6 | Gulf Coast Bank and Trust Company | 1 | $619K | $619K |
| 6 | American Bank of Freedom | 1 | $363K | $363K |
| 6 | State Empl CU | 1 | $2.1M | $2.1M |
| 6 | Telhio Credit Union Inc | 1 | $250K | $250K |
| 6 | The Bancorp Bank National Association | 1 | $730K | $730K |
| 6 | HomeTrust Bank | 1 | $830K | $830K |
| 6 | BayFirst National Bank | 1 | $350K | $350K |
| 6 | Beacon Bank and Trust | 1 | $612K | $612K |
| 6 | Commerce Bank | 1 | $265K | $265K |
| 6 | First Internet Bank of Indiana | 1 | $3.0M | $3.0M |
Source: SBA FOIA 7(a) loan-level data, 2021–2025. Shows lenders with at least one approved Massage Envy loan in this period, ranked by loan count.
Massage Envy SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| VA | 1 | $3.0M | $3.0M |
| FL | 4 | $2.7M | $675K |
| NM | 1 | $2.1M | $2.1M |
| IL | 2 | $1.4M | $720K |
| TX | 2 | $1.2M | $596K |
| MO | 3 | $978K | $326K |
| TN | 2 | $830K | $415K |
| NY | 1 | $825K | $825K |
| NC | 1 | $730K | $730K |
| OH | 1 | $250K | $250K |
| MD | 2 | $100K | $50K |
Massage Envy SBA loans by year
SBA lender notes for Massage Envyfrom the SBA Franchise Directory
1. When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Massage Envy Lease Rider may not be executed. 2. Franchisor may not enforce a Purchase Option on Real Estate if owned by the franchisee or an affiliate of the franchisee and taken as collateral for the SBA Loan. 3. Applicants operating under a Regional Development Agreement are not eligible for SBA financing.
How to use this
The lenders above have actually closed SBA 7(a) loans for Massage Envy 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 Massage Envy deal to a lender currently funding this brand.
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