SBA Loans for Pause Studio Franchises
Who actually funds Pause Studio SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2024 to 2026.
Top lenders funding Pause Studio SBA loans
Ranked by number of Pause Studio 7(a) loans approved since 2024.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 6 | $4.2M | $702K |
| 2 | First Bank of the Lake | 2 | $2.4M | $1.2M |
| 3 | Central Bank | 1 | $1.3M | $1.3M |
| 3 | Citizens Bank | 1 | $1.3M | $1.3M |
| 3 | Climate First Bank | 1 | $1.4M | $1.4M |
| 3 | First Merchants Bank | 1 | $2.2M | $2.2M |
| 3 | Merchants Bank of Indiana | 1 | $1.3M | $1.3M |
| 3 | SouthState Bank, National Association | 1 | $1.5M | $1.5M |
| 3 | Atlantic Union Bank | 1 | $1.6M | $1.6M |
| 3 | Wells Fargo Bank National Association | 1 | $938K | $938K |
| 3 | Bankers Trust Company | 1 | $1.0M | $1.0M |
Source: SBA FOIA 7(a) loan-level data, 2024 to 2026. Shows lenders with at least one approved Pause Studio loan in this period, ranked by loan count.
Pause Studio SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| FL | 3 | $4.8M | $1.6M |
| CA | 4 | $4.3M | $1.1M |
| GA | 1 | $1.5M | $1.5M |
| MA | 1 | $1.4M | $1.4M |
| IL | 2 | $1.4M | $704K |
| TX | 1 | $1.4M | $1.4M |
| NC | 1 | $1.3M | $1.3M |
| CO | 2 | $1.2M | $592K |
| IA | 1 | $1.0M | $1.0M |
| UT | 1 | $938K | $938K |
Pause Studio SBA loans by year
How Pause Studio SBA loans have performed
Outcomes for every funded Pause Studio 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 Pause Studiofrom the SBA Franchise Directory
1. If Applicant also operates under a management agreement with a third party, Lender/CDC must review the management agreement in accordance with SOP 50 10 to determine if there is affiliation between the Applicant and the management company. 2. When the real estatte where the franchise business is located will secure tthe SBA-guarantteed loan, neither the franchisee or affiliate may execute the Rider to Lease Agreement.
How to use this
The lenders above have actually closed SBA 7(a) loans for Pause Studio 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 Pause Studio deal to a lender currently funding this brand.
Financing a Pause Studio franchise?
We know which lenders are actively funding Pause Studio deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).