SBA Loans for Payroll Vault Franchises
Who actually funds Payroll Vault 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 Payroll Vault SBA loans
Ranked by number of Payroll Vault 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | United Midwest Savings Bank National Association | 5 | $680K | $136K |
| 2 | BHCU D/B/A Propell Credit Union | 1 | $125K | $125K |
| 2 | Centier Bank | 1 | $100K | $100K |
| 2 | InBank | 1 | $325K | $325K |
| 2 | Readycap Lending, LLC | 1 | $100K | $100K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Payroll Vault loan in this period, ranked by loan count.
Payroll Vault SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| CO | 1 | $325K | $325K |
| TX | 2 | $250K | $125K |
| NY | 1 | $150K | $150K |
| VA | 1 | $150K | $150K |
| MI | 1 | $150K | $150K |
| PA | 1 | $125K | $125K |
| IN | 1 | $100K | $100K |
| NJ | 1 | $80K | $80K |
Payroll Vault SBA loans by year
How Payroll Vault SBA loans have performed
Outcomes for every funded Payroll Vault 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.
How to use this
The lenders above have actually closed SBA 7(a) loans for Payroll Vault 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 Payroll Vault deal to a lender currently funding this brand.
Financing a Payroll Vault franchise?
We know which lenders are actively funding Payroll Vault deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).