SBA Loans for Zaxby's Franchises
Who actually funds Zaxby'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 Zaxby's SBA loans
Ranked by number of Zaxby's 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | 10 | $16.9M | $1.7M |
| 2 | United Community Bank | 8 | $15.2M | $1.9M |
| 3 | Banc of California | 3 | $5.8M | $1.9M |
| 3 | Pinnacle Bank | 3 | $5.2M | $1.7M |
| 3 | Merchants Bank of Indiana | 3 | $4.8M | $1.6M |
| 6 | United FCU | 2 | $5.4M | $2.7M |
| 6 | The Huntington National Bank | 2 | $3.6M | $1.8M |
| 6 | Ameris Bank | 2 | $375K | $188K |
| 9 | First Harrison Bank | 1 | $137K | $137K |
| 9 | First Federal Bank | 1 | $634K | $634K |
| 9 | First-Citizens Bank & Trust Company | 1 | $2.9M | $2.9M |
| 9 | Seacoast National Bank | 1 | $1.2M | $1.2M |
| 9 | SouthState Bank, National Association | 1 | $2.2M | $2.2M |
| 9 | TD Bank, National Association | 1 | $3.2M | $3.2M |
| 9 | The Central Trust Bank | 1 | $175K | $175K |
| 9 | Colony Bank | 1 | $1.5M | $1.5M |
| 9 | Truist Bank | 1 | $657K | $657K |
| 9 | First National Bank of Pennsylvania | 1 | $1.3M | $1.3M |
| 9 | Harvest Small Business Finance, LLC | 1 | $2.1M | $2.1M |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved Zaxby's loan in this period, ranked by loan count.
Zaxby's SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| NC | 4 | $10.2M | $2.6M |
| GA | 3 | $10.0M | $3.3M |
| VA | 5 | $7.5M | $1.5M |
| FL | 4 | $6.4M | $1.6M |
| MD | 3 | $5.8M | $1.9M |
| SC | 4 | $5.1M | $1.3M |
| MS | 3 | $5.1M | $1.7M |
| AL | 3 | $4.4M | $1.5M |
| OH | 2 | $3.6M | $1.8M |
| TN | 3 | $3.5M | $1.2M |
| TX | 1 | $2.9M | $2.9M |
| KS | 1 | $2.8M | $2.8M |
| MO | 3 | $2.2M | $727K |
| NY | 1 | $1.7M | $1.7M |
| NJ | 1 | $1.2M | $1.2M |
Zaxby's SBA loans by year
SBA lender notes for Zaxby'sfrom the SBA Franchise Directory
When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Lease Rider may not be executed.
How to use this
The lenders above have actually closed SBA 7(a) loans for Zaxby'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 Zaxby's deal to a lender currently funding this brand.
Financing a Zaxby's franchise?
We know which lenders are actively funding Zaxby's deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).