SBA Loans for Menchie's Franchises
Who actually funds Menchie's 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 Menchie's SBA loans
Ranked by number of Menchie's 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 20 | $4.2M | $210K |
| 2 | HomeTrust Bank | 3 | $805K | $268K |
| 3 | Citizens Bank | 2 | $940K | $470K |
| 3 | CalPrivate Bank | 2 | $393K | $197K |
| 3 | U.S. Bank, National Association | 2 | $286K | $143K |
| 3 | Mountain America FCU | 2 | $105K | $53K |
| 7 | Plains State Bank | 1 | $363K | $363K |
| 7 | TowneBank | 1 | $500K | $500K |
| 7 | Cache Valley Bank | 1 | $200K | $200K |
| 7 | Zions Bank, A Division of | 1 | $493K | $493K |
| 7 | CDC Small Business Finance Corp. | 1 | $300K | $300K |
| 7 | Home State Bank, National Association | 1 | $350K | $350K |
| 7 | Lincoln Savings Bank | 1 | $200K | $200K |
| 7 | Magnifi Financial CU | 1 | $293K | $293K |
| 7 | Mountain West Small Business Finance | 1 | $247K | $247K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Menchie's loan in this period, ranked by loan count.
Menchie's SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| CA | 9 | $1.9M | $210K |
| TX | 7 | $1.8M | $260K |
| FL | 5 | $1.4M | $287K |
| UT | 5 | $982K | $196K |
| ID | 4 | $710K | $178K |
| MI | 2 | $684K | $342K |
| PA | 1 | $510K | $510K |
| CO | 1 | $493K | $493K |
| OK | 2 | $355K | $178K |
| IL | 1 | $350K | $350K |
| TN | 2 | $290K | $145K |
| NC | 1 | $150K | $150K |
Menchie's SBA loans by year
How Menchie's SBA loans have performed
Outcomes for every funded Menchie's 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 Menchie'sfrom the SBA Franchise Directory
When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Addendum to Lease and Collateral Assignment of Lease may not be executed.
How to use this
The lenders above have actually closed SBA 7(a) loans for Menchie's 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 Menchie's deal to a lender currently funding this brand.
Financing a Menchie's franchise?
We know which lenders are actively funding Menchie's deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).