SBA Loans for Smash My Trash Franchises
Who actually funds Smash My Trash 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 Smash My Trash SBA loans
Ranked by number of Smash My Trash 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 14 | $3.3M | $234K |
| 2 | Ameris Bank | 7 | $3.3M | $474K |
| 3 | Beacon Bank and Trust | 6 | $4.8M | $794K |
| 4 | United Midwest Savings Bank National Association | 3 | $450K | $150K |
| 4 | Newtek Small Business Finance, Inc. | 3 | $1.0M | $341K |
| 4 | Old National Bank | 3 | $1.9M | $628K |
| 4 | KeyBank National Association | 3 | $715K | $238K |
| 4 | United Community Bank | 3 | $740K | $247K |
| 9 | Citizens Bank | 2 | $757K | $378K |
| 9 | Renasant Bank | 2 | $1.2M | $592K |
| 9 | SouthState Bank, National Association | 2 | $566K | $283K |
| 9 | Hancock Whitney Bank | 2 | $451K | $225K |
| 9 | Stock Yards Bank & Trust Company | 2 | $484K | $242K |
| 9 | Live Oak Banking Company | 2 | $1.8M | $875K |
| 9 | Banner Bank | 2 | $797K | $399K |
| 9 | Wells Fargo Bank National Association | 2 | $759K | $379K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Smash My Trash loan in this period, ranked by loan count.
Smash My Trash SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| CA | 15 | $8.8M | $588K |
| GA | 7 | $3.5M | $503K |
| MA | 8 | $2.2M | $276K |
| NV | 1 | $2.0M | $2.0M |
| FL | 5 | $1.6M | $329K |
| OH | 7 | $1.1M | $163K |
| CO | 2 | $1.1M | $555K |
| TX | 4 | $1.1M | $272K |
| SC | 3 | $1.1M | $362K |
| PA | 4 | $1.1M | $270K |
| NY | 1 | $968K | $968K |
| MS | 2 | $930K | $465K |
| MI | 2 | $826K | $413K |
| MD | 2 | $793K | $396K |
| ID | 2 | $746K | $373K |
Smash My Trash SBA loans by year
How Smash My Trash SBA loans have performed
Outcomes for every funded Smash My Trash 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 Smash My Trash 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 Smash My Trash deal to a lender currently funding this brand.
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