SBA Loans for Wingstop Franchises
Who actually funds Wingstop 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 Wingstop SBA loans
Ranked by number of Wingstop 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | 12 | $6.7M | $557K |
| 2 | The First National Bank in Sioux Falls | 3 | $2.0M | $652K |
| 3 | Regions Bank | 2 | $1.6M | $795K |
| 3 | Security State Bank and Trust | 2 | $744K | $372K |
| 3 | Citizens Bank | 2 | $949K | $475K |
| 3 | Atlantic Union Bank | 2 | $445K | $223K |
| 7 | Meridian Bank | 1 | $465K | $465K |
| 7 | Newtek Small Business Finance, Inc. | 1 | $2.5M | $2.5M |
| 7 | SouthState Bank, National Association | 1 | $540K | $540K |
| 7 | Third Coast Bank | 1 | $551K | $551K |
| 7 | VelocitySBA, LLC | 1 | $1.0M | $1.0M |
| 7 | East West Bank | 1 | $50K | $50K |
| 7 | First National Bank of Pennsylvania | 1 | $890K | $890K |
| 7 | First State Bank | 1 | $447K | $447K |
| 7 | Golden Bank National Association | 1 | $475K | $475K |
| 7 | KeyPoint CU | 1 | $554K | $554K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Wingstop loan in this period, ranked by loan count.
Wingstop SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| TX | 6 | $3.4M | $560K |
| NC | 6 | $3.2M | $539K |
| LA | 2 | $3.1M | $1.6M |
| CA | 4 | $2.1M | $519K |
| MD | 2 | $1.4M | $715K |
| SD | 2 | $1.4M | $704K |
| FL | 2 | $1.2M | $583K |
| SC | 2 | $1.0M | $500K |
| GA | 1 | $670K | $670K |
| IA | 1 | $550K | $550K |
| NY | 1 | $499K | $499K |
| OH | 1 | $465K | $465K |
| OK | 1 | $447K | $447K |
| VA | 2 | $445K | $223K |
Wingstop SBA loans by year
How Wingstop SBA loans have performed
Outcomes for every funded Wingstop 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 Wingstop 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 Wingstop deal to a lender currently funding this brand.
Financing a Wingstop franchise?
We know which lenders are actively funding Wingstop deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).