SBA Loans for Schlotzsky's Franchises
Who actually funds Schlotzsky's 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 Schlotzsky's SBA loans
Ranked by number of Schlotzsky's 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 5 | $3.9M | $790K |
| 2 | Live Oak Banking Company | 3 | $1.0M | $345K |
| 3 | BancFirst | 2 | $2.7M | $1.4M |
| 4 | BayFirst National Bank | 1 | $150K | $150K |
| 4 | Bell Bank | 1 | $453K | $453K |
| 4 | CenTrust Bank, A Division of SmartBiz Bank National Association | 1 | $2.3M | $2.3M |
| 4 | Gulf Coast Bank and Trust Company | 1 | $4.0M | $4.0M |
| 4 | Bank of Luxemburg | 1 | $765K | $765K |
| 4 | Metro City Bank | 1 | $370K | $370K |
| 4 | Midwest BankCentre | 1 | $3.2M | $3.2M |
| 4 | Southern Bank | 1 | $2.2M | $2.2M |
| 4 | Bank of Hope | 1 | $273K | $273K |
| 4 | Troy Bank & Trust Company | 1 | $580K | $580K |
| 4 | U.S. Bank, National Association | 1 | $729K | $729K |
| 4 | Western Commerce Bank | 1 | $160K | $160K |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved Schlotzsky's loan in this period, ranked by loan count.
Schlotzsky's SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| TX | 7 | $8.1M | $1.2M |
| IL | 2 | $4.8M | $2.4M |
| NM | 2 | $3.3M | $1.7M |
| OK | 2 | $2.7M | $1.4M |
| SC | 5 | $1.5M | $302K |
| WI | 1 | $765K | $765K |
| AZ | 1 | $729K | $729K |
| AL | 1 | $580K | $580K |
| ND | 1 | $453K | $453K |
Schlotzsky's SBA loans by year
SBA lender notes for Schlotzsky'sfrom the SBA Franchise Directory
Franchisor may not enforce a Purchase Option on Real Estate owned by the franchisee or an affiliate of the franchisee if taken as Collateral for the SBA Loan.
How to use this
The lenders above have actually closed SBA 7(a) loans for Schlotzsky's 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 Schlotzsky's deal to a lender currently funding this brand.
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