SBA Loans for Restoration 1 Franchises
Who actually funds Restoration 1 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 Restoration 1 SBA loans
Ranked by number of Restoration 1 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | United Midwest Savings Bank National Association | 12 | $2.2M | $186K |
| 2 | The Huntington National Bank | 11 | $1.0M | $93K |
| 3 | Live Oak Banking Company | 6 | $1.2M | $202K |
| 4 | Peoples Bank | 4 | $469K | $117K |
| 4 | Readycap Lending, LLC | 4 | $1.7M | $430K |
| 6 | West Bank | 2 | $210K | $105K |
| 6 | Newtek Small Business Finance, Inc. | 2 | $4.0M | $2.0M |
| 6 | Newtek Bank, National Association | 2 | $600K | $300K |
| 9 | InBank | 1 | $589K | $589K |
| 9 | Bank of America, National Association | 1 | $250K | $250K |
| 9 | TD Bank, National Association | 1 | $100K | $100K |
| 9 | JPMorgan Chase Bank, National Association | 1 | $150K | $150K |
| 9 | BayFirst National Bank | 1 | $150K | $150K |
| 9 | CenTrust Bank, A Division of SmartBiz Bank National Association | 1 | $100K | $100K |
| 9 | City National Bank | 1 | $2.0M | $2.0M |
| 9 | First Commonwealth Bank | 1 | $150K | $150K |
| 9 | First Oklahoma Bank | 1 | $432K | $432K |
| 9 | Five Star Bank | 1 | $350K | $350K |
| 9 | Greenfield Co-Operative Bank | 1 | $163K | $163K |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved Restoration 1 loan in this period, ranked by loan count.
Restoration 1 SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| NY | 5 | $4.4M | $885K |
| CA | 5 | $2.6M | $510K |
| AZ | 3 | $1.3M | $433K |
| MA | 3 | $943K | $314K |
| CO | 2 | $939K | $470K |
| GA | 4 | $858K | $214K |
| TX | 3 | $653K | $218K |
| NC | 2 | $600K | $300K |
| OH | 7 | $561K | $80K |
| MI | 4 | $437K | $109K |
| KS | 1 | $350K | $350K |
| MS | 2 | $328K | $164K |
| UT | 2 | $300K | $150K |
| KY | 2 | $291K | $145K |
| MO | 1 | $261K | $261K |
Restoration 1 SBA loans by year
SBA lender notes for Restoration 1from the SBA Franchise Directory
Lender/CDC must ensure that they obtain the correct lien position on all collateral as required purusant to the SOP 50 10.
How to use this
The lenders above have actually closed SBA 7(a) loans for Restoration 1 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 Restoration 1 deal to a lender currently funding this brand.
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