SBA Loans for Row House Franchises
Who actually funds Row House 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 Row House SBA loans
Ranked by number of Row House 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 2 | $700K | $350K |
| 1 | United Community Bank | 2 | $1.1M | $528K |
| 1 | Valley National Bank | 2 | $610K | $305K |
| 4 | Citizens Bank | 1 | $500K | $500K |
| 4 | Telhio Credit Union Inc | 1 | $112K | $112K |
| 4 | First Farmers and Merchants Bank | 1 | $125K | $125K |
| 4 | Southern Bank | 1 | $350K | $350K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Row House loan in this period, ranked by loan count.
Row House SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| CT | 2 | $700K | $350K |
| FL | 2 | $610K | $305K |
| NC | 1 | $585K | $585K |
| GA | 1 | $500K | $500K |
| TX | 1 | $470K | $470K |
| MO | 1 | $350K | $350K |
| TN | 1 | $125K | $125K |
| OH | 1 | $112K | $112K |
Row House SBA loans by year
How Row House SBA loans have performed
Outcomes for every funded Row House 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 Row Housefrom the SBA Franchise Directory
1. When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Addendum to Lease may not be executed. 2. Lender/CDC must ensure they obtain the correct lien position for all collateral as required pursuant to the SOP 50 10. 3. Franchisor may not enforce a Purchase Option on the Real Estate owned by the franchisee or an affiliate of the franchisee and taken as collateral for the SBA Loan.
How to use this
The lenders above have actually closed SBA 7(a) loans for Row House 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 Row House deal to a lender currently funding this brand.
Financing a Row House franchise?
We know which lenders are actively funding Row House deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).