SBA Loans for Surface Experts Franchises
Who actually funds Surface Experts 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 Surface Experts SBA loans
Ranked by number of Surface Experts 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | United Midwest Savings Bank National Association | 15 | $2.2M | $147K |
| 2 | The Huntington National Bank | 8 | $1.0M | $128K |
| 3 | Manufacturers and Traders Trust Company | 4 | $507K | $127K |
| 4 | Union Bank and Trust Company | 2 | $250K | $125K |
| 4 | Readycap Lending, LLC | 2 | $401K | $201K |
| 6 | First Command Bank | 1 | $180K | $180K |
| 6 | First Federal Bank | 1 | $177K | $177K |
| 6 | BayFirst National Bank | 1 | $500K | $500K |
| 6 | Newtek Bank, National Association | 1 | $250K | $250K |
| 6 | OptimumBank | 1 | $300K | $300K |
| 6 | Fifth Third Bank | 1 | $25K | $25K |
| 6 | First Bank of the Lake | 1 | $150K | $150K |
| 6 | City State Bank | 1 | $120K | $120K |
| 6 | First-Citizens Bank & Trust Company | 1 | $175K | $175K |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved Surface Experts loan in this period, ranked by loan count.
Surface Experts SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| FL | 5 | $652K | $130K |
| CO | 2 | $650K | $325K |
| TX | 3 | $630K | $210K |
| AZ | 4 | $497K | $124K |
| MA | 3 | $491K | $164K |
| TN | 3 | $450K | $150K |
| OH | 3 | $435K | $145K |
| GA | 2 | $350K | $175K |
| NC | 2 | $325K | $163K |
| NY | 2 | $282K | $141K |
| NE | 2 | $250K | $125K |
| VA | 2 | $225K | $113K |
| WA | 1 | $150K | $150K |
| IL | 1 | $150K | $150K |
| IN | 1 | $150K | $150K |
| KS | 1 | $150K | $150K |
| MN | 1 | $150K | $150K |
| CA | 1 | $150K | $150K |
Surface Experts SBA loans by year
How to use this
The lenders above have actually closed SBA 7(a) loans for Surface Experts 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 Surface Experts deal to a lender currently funding this brand.
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