SBA Loans for Wendy's Franchises
Who actually funds Wendy's 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 Wendy's SBA loans
Ranked by number of Wendy's 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Byline Bank | 4 | $3.4M | $839K |
| 1 | The Huntington National Bank | 4 | $1.4M | $347K |
| 3 | Mission Valley Bank | 3 | $8.4M | $2.8M |
| 4 | TD Bank, National Association | 2 | $1.3M | $673K |
| 5 | Manufacturers and Traders Trust Company | 1 | $525K | $525K |
| 5 | Mission Bank | 1 | $1.1M | $1.1M |
| 5 | Live Oak Banking Company | 1 | $500K | $500K |
| 5 | Pathward National Association | 1 | $2.6M | $2.6M |
| 5 | First Business Bank | 1 | $942K | $942K |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved Wendy's loan in this period, ranked by loan count.
Wendy's SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| CA | 8 | $11.6M | $1.5M |
| NY | 5 | $3.9M | $776K |
| SC | 1 | $2.6M | $2.6M |
| AZ | 1 | $942K | $942K |
| MI | 2 | $655K | $328K |
| DE | 1 | $500K | $500K |
Wendy's SBA loans by year
SBA lender notes for Wendy'sfrom the SBA Franchise Directory
Franchisor may not enforce a Purchase Option on Real Estate 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 Wendy's 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 Wendy's deal to a lender currently funding this brand.
Financing a Wendy's franchise?
We know which lenders are actively funding Wendy's deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).