SBA Loans for X-Golf Franchises
Who actually funds X-Golf 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 X-Golf SBA loans
Ranked by number of X-Golf 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 102 | $60.0M | $588K |
| 2 | Bank of Springfield | 3 | $2.1M | $688K |
| 2 | Wells Fargo Bank National Association | 3 | $1.6M | $536K |
| 2 | Old National Bank | 3 | $2.4M | $795K |
| 2 | One Community Bank | 3 | $1.8M | $584K |
| 2 | Summit Bank | 3 | $3.1M | $1.0M |
| 7 | Community Banks of Colorado, A Division of NBH Bank | 2 | $1.9M | $972K |
| 7 | Atlantic Union Bank | 2 | $1.4M | $706K |
| 9 | Michigan State University Federal Credit Union | 1 | $558K | $558K |
| 9 | Byline Bank | 1 | $1.6M | $1.6M |
| 9 | VelocitySBA, LLC | 1 | $1.4M | $1.4M |
| 9 | Prospera CU | 1 | $799K | $799K |
| 9 | Readycap Lending, LLC | 1 | $350K | $350K |
| 9 | Rockland Trust Company | 1 | $720K | $720K |
| 9 | Centier Bank | 1 | $368K | $368K |
| 9 | Hanover Community Bank | 1 | $1.3M | $1.3M |
| 9 | First Mid Bank & Trust, National Association | 1 | $1.1M | $1.1M |
| 9 | Merchants Bank of Indiana | 1 | $625K | $625K |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved X-Golf loan in this period, ranked by loan count.
X-Golf SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| IL | 24 | $12.8M | $535K |
| OH | 13 | $8.8M | $674K |
| NY | 9 | $7.5M | $830K |
| TX | 9 | $7.2M | $801K |
| MI | 15 | $6.8M | $455K |
| WI | 10 | $6.1M | $610K |
| VA | 7 | $4.9M | $699K |
| WA | 5 | $4.1M | $824K |
| MO | 6 | $3.8M | $642K |
| MA | 4 | $3.5M | $866K |
| IN | 4 | $1.9M | $477K |
| OR | 2 | $1.8M | $914K |
| CT | 2 | $1.8M | $892K |
| CA | 2 | $1.4M | $701K |
| UT | 2 | $1.4M | $699K |
X-Golf SBA loans by year
How X-Golf SBA loans have performed
Outcomes for every funded X-Golf 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.
SBA lender notes for X-Golffrom the SBA Franchise Directory
When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Rider to Lease Agreement may not be executed.
How to use this
The lenders above have actually closed SBA 7(a) loans for X-Golf 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 X-Golf deal to a lender currently funding this brand.
Financing a X-Golf franchise?
We know which lenders are actively funding X-Golf deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).