SBA Loans for Stretch Zone Franchises
Who actually funds Stretch Zone 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 Stretch Zone SBA loans
Ranked by number of Stretch Zone 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 12 | $1.6M | $130K |
| 2 | Manufacturers and Traders Trust Company | 4 | $230K | $58K |
| 3 | Pinnacle Bank | 2 | $765K | $383K |
| 3 | PNC Bank, National Association | 2 | $222K | $111K |
| 3 | Frost Bank | 2 | $435K | $217K |
| 3 | Citizens State Bank | 2 | $100K | $50K |
| 7 | Magnifi Financial CU | 1 | $150K | $150K |
| 7 | Valley National Bank | 1 | $250K | $250K |
| 7 | Wells Fargo Bank National Association | 1 | $144K | $144K |
| 7 | Citizens Bank | 1 | $114K | $114K |
| 7 | Wilmington Savings Fund Society FSB | 1 | $265K | $265K |
| 7 | Evolve Bank and Trust | 1 | $370K | $370K |
| 7 | First Bank of the Lake | 1 | $239K | $239K |
| 7 | Fortifi Bank | 1 | $185K | $185K |
| 7 | HomeTrust Bank | 1 | $245K | $245K |
| 7 | iTHINK Financial Credit Union | 1 | $170K | $170K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Stretch Zone loan in this period, ranked by loan count.
Stretch Zone SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| TX | 6 | $989K | $165K |
| FL | 4 | $642K | $160K |
| NC | 2 | $614K | $307K |
| CA | 3 | $498K | $166K |
| MS | 2 | $491K | $245K |
| UT | 1 | $370K | $370K |
| MN | 4 | $321K | $80K |
| NY | 2 | $275K | $137K |
| AL | 1 | $265K | $265K |
| DE | 1 | $265K | $265K |
| SC | 1 | $245K | $245K |
| WI | 1 | $185K | $185K |
| VA | 2 | $155K | $78K |
| MD | 2 | $75K | $38K |
| OH | 2 | $52K | $26K |
Stretch Zone SBA loans by year
How Stretch Zone SBA loans have performed
Outcomes for every funded Stretch Zone 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 Stretch Zonefrom the SBA Franchise Directory
1. When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Agreement with Landlord may not be executed. 2. Lender/CDC must ensure they secure the appropriate lien position on all collateral in accordance with SOP 50 10.
How to use this
The lenders above have actually closed SBA 7(a) loans for Stretch Zone 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 Stretch Zone deal to a lender currently funding this brand.
Financing a Stretch Zone franchise?
We know which lenders are actively funding Stretch Zone deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).