SBA Loans for Top Rail Fence Franchises
Who actually funds Top Rail Fence 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 Top Rail Fence SBA loans
Ranked by number of Top Rail Fence 7(a) loans approved since 2023.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 14 | $1.7M | $124K |
| 2 | First Bank of the Lake | 5 | $1.4M | $275K |
| 3 | United Midwest Savings Bank National Association | 3 | $560K | $187K |
| 4 | Magnifi Financial CU | 2 | $491K | $246K |
| 5 | Celtic Bank Corporation | 1 | $315K | $315K |
| 5 | Mechanics and Farmers Bank | 1 | $207K | $207K |
| 5 | Hanover Community Bank | 1 | $150K | $150K |
| 5 | First Commonwealth Bank | 1 | $212K | $212K |
Source: SBA FOIA 7(a) loan-level data, 2023 to 2026. Shows lenders with at least one approved Top Rail Fence loan in this period, ranked by loan count.
Top Rail Fence SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| PA | 2 | $646K | $323K |
| GA | 3 | $550K | $183K |
| MA | 2 | $491K | $246K |
| TX | 3 | $474K | $158K |
| MN | 2 | $466K | $233K |
| MO | 3 | $462K | $154K |
| OH | 4 | $447K | $112K |
| KY | 2 | $274K | $137K |
| OK | 1 | $264K | $264K |
| AR | 1 | $260K | $260K |
| VA | 1 | $207K | $207K |
| ID | 2 | $200K | $100K |
| NE | 1 | $150K | $150K |
| MI | 1 | $150K | $150K |
Top Rail Fence SBA loans by year
How Top Rail Fence SBA loans have performed
Outcomes for every funded Top Rail Fence 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 Top Rail Fence 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 Top Rail Fence deal to a lender currently funding this brand.
Financing a Top Rail Fence franchise?
We know which lenders are actively funding Top Rail Fence deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).