SBA Loans for Vital Care Franchises
Who actually funds Vital Care 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 Vital Care SBA loans
Ranked by number of Vital Care 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | First Financial Bank | 25 | $31.1M | $1.2M |
| 2 | The Huntington National Bank | 9 | $6.4M | $712K |
| 3 | Live Oak Banking Company | 6 | $10.7M | $1.8M |
| 4 | Encore Bank | 5 | $4.0M | $799K |
| 5 | Idaho Central CU | 3 | $871K | $290K |
| 6 | Horizon Bank | 2 | $781K | $391K |
| 6 | Renasant Bank | 2 | $1.9M | $944K |
| 6 | First Interstate Bank | 2 | $1.6M | $810K |
| 9 | Truist Bank | 1 | $513K | $513K |
| 9 | United Community Bank | 1 | $250K | $250K |
| 9 | First National Bank of Pennsylvania | 1 | $452K | $452K |
| 9 | Regions Bank | 1 | $2.5M | $2.5M |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved Vital Care loan in this period, ranked by loan count.
Vital Care SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| CA | 4 | $8.1M | $2.0M |
| TX | 9 | $7.6M | $848K |
| NJ | 3 | $5.0M | $1.7M |
| FL | 7 | $4.5M | $648K |
| IL | 2 | $3.9M | $1.9M |
| MD | 6 | $3.8M | $627K |
| NY | 3 | $3.6M | $1.2M |
| IN | 2 | $2.9M | $1.5M |
| WA | 3 | $2.8M | $933K |
| OK | 2 | $2.5M | $1.3M |
| AL | 1 | $2.5M | $2.5M |
| MI | 3 | $2.1M | $697K |
| MS | 1 | $1.6M | $1.6M |
| MA | 1 | $1.5M | $1.5M |
| AZ | 1 | $1.5M | $1.5M |
Vital Care SBA loans by year
SBA lender notes for Vital Carefrom the SBA Franchise Directory
1. When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Lease Rider and Collateral Assignment of Lease may not be executed. 2. If Applicant also operates under a management agreement with a third party, Lender/CDC must review the management agreement in accordance with SOP 50 10 to determine if there is affiliation between the Applicant and the management company. The Applicant is not eligible if the management company is, or is affiliated with, the franchisor. 3. Franchisor may not enforce a Purchase Option on the Real Estate if owned by the franchisee or an affiliate of the franchisee and taken as collateral for the SBA Loan.
How to use this
The lenders above have actually closed SBA 7(a) loans for Vital Care 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 Vital Care deal to a lender currently funding this brand.
Financing a Vital Care franchise?
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