SBA Loans for Serotonin Franchises
Who actually funds Serotonin SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2023 to 2026.
Top lenders funding Serotonin SBA loans
Ranked by number of Serotonin 7(a) loans approved since 2023.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Newtek Bank, National Association | 4 | $4.5M | $1.1M |
| 2 | Pathward National Association | 3 | $4.1M | $1.4M |
| 3 | Beacon Bank and Trust | 1 | $1.5M | $1.5M |
| 3 | California Bank of Commerce, NA | 1 | $1.3M | $1.3M |
| 3 | Four States Bank, Inc. | 1 | $1.6M | $1.6M |
| 3 | Stearns Bank National Association | 1 | $975K | $975K |
Source: SBA FOIA 7(a) loan-level data, 2023 to 2026. Shows lenders with at least one approved Serotonin loan in this period, ranked by loan count.
Serotonin SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| CT | 4 | $4.5M | $1.1M |
| CA | 2 | $2.8M | $1.4M |
| NJ | 2 | $2.6M | $1.3M |
| MO | 1 | $1.6M | $1.6M |
| MA | 1 | $1.5M | $1.5M |
| TN | 1 | $975K | $975K |
Serotonin SBA loans by year
How Serotonin SBA loans have performed
Outcomes for every funded Serotonin 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 Serotonin 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 Serotonin deal to a lender currently funding this brand.
Financing a Serotonin franchise?
We know which lenders are actively funding Serotonin deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).