SBA Loans for No-H2O Franchises
Who actually funds No-H2O SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2022–2023.
Top lenders funding No-H2O SBA loans
Ranked by number of No-H2O 7(a) loans approved since 2022.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 3 | $551K | $184K |
| 2 | First Bank of the Lake | 1 | $302K | $302K |
| 2 | PNC Bank, National Association | 1 | $20K | $20K |
| 2 | Stock Yards Bank & Trust Company | 1 | $51K | $51K |
| 2 | United Midwest Savings Bank National Association | 1 | $150K | $150K |
Source: SBA FOIA 7(a) loan-level data, 2022–2023. Shows lenders with at least one approved No-H2O loan in this period, ranked by loan count.
No-H2O SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| IL | 3 | $551K | $184K |
| GA | 1 | $302K | $302K |
| AZ | 1 | $150K | $150K |
| IN | 1 | $51K | $51K |
| PA | 1 | $20K | $20K |
No-H2O SBA loans by year
How to use this
The lenders above have actually closed SBA 7(a) loans for No-H2O 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 No-H2O deal to a lender currently funding this brand.
Financing a No-H2O franchise?
We know which lenders are actively funding No-H2O deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).