SBA Loans for WSI Franchises
Who actually funds WSI 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 WSI SBA loans
Ranked by number of WSI 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | United Midwest Savings Bank National Association | 6 | $825K | $138K |
| 2 | The Huntington National Bank | 2 | $254K | $127K |
| 3 | First Bank | 1 | $560K | $560K |
| 3 | Readycap Lending, LLC | 1 | $404K | $404K |
| 3 | U.S. Bank, National Association | 1 | $75K | $75K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved WSI loan in this period, ranked by loan count.
WSI SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| TX | 3 | $890K | $297K |
| AZ | 1 | $404K | $404K |
| GA | 2 | $275K | $138K |
| FL | 1 | $150K | $150K |
| MI | 1 | $150K | $150K |
| IL | 1 | $100K | $100K |
| CO | 1 | $75K | $75K |
| IN | 1 | $74K | $74K |
WSI SBA loans by year
How WSI SBA loans have performed
Outcomes for every funded WSI 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 WSI 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 WSI deal to a lender currently funding this brand.
Financing a WSI franchise?
We know which lenders are actively funding WSI deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).