SBA Loans for Next Day Access Franchises
Who actually funds Next Day Access SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021–2026.
Top lenders funding Next Day Access SBA loans
Ranked by number of Next Day Access 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 9 | $2.3M | $256K |
| 2 | United Midwest Savings Bank National Association | 3 | $435K | $145K |
| 3 | Manufacturers and Traders Trust Company | 2 | $375K | $188K |
| 4 | The Bank of Houston | 1 | $247K | $247K |
| 4 | Readycap Lending, LLC | 1 | $240K | $240K |
| 4 | Leader Bank, National Association | 1 | $401K | $401K |
| 4 | First Commonwealth Bank | 1 | $305K | $305K |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved Next Day Access loan in this period, ranked by loan count.
Next Day Access SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| OH | 2 | $1.1M | $566K |
| CA | 2 | $560K | $280K |
| TX | 2 | $551K | $276K |
| NY | 2 | $375K | $188K |
| IL | 2 | $334K | $167K |
| OR | 1 | $305K | $305K |
| FL | 3 | $276K | $92K |
| IN | 1 | $247K | $247K |
| MD | 1 | $240K | $240K |
| NC | 1 | $150K | $150K |
| OK | 1 | $135K | $135K |
Next Day Access SBA loans by year
SBA lender notes for Next Day Accessfrom the SBA Franchise Directory
Lender/CDC must ensure that they obtain the correct lien position on all collateral as required pursuant to the SOP 50 10.
How to use this
The lenders above have actually closed SBA 7(a) loans for Next Day Access 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 Next Day Access deal to a lender currently funding this brand.
Financing a Next Day Access franchise?
We know which lenders are actively funding Next Day Access deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).