SBA Loans for Zero Latency Franchises
Who actually funds Zero Latency SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2022 to 2026.
Top lenders funding Zero Latency SBA loans
Ranked by number of Zero Latency 7(a) loans approved since 2022.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | Celtic Bank Corporation | 1 | $977K | $977K |
| 1 | Gulf Coast Bank and Trust Company | 1 | $483K | $483K |
| 1 | Incommons Bank NA | 1 | $1.2M | $1.2M |
| 1 | KeyBank National Association | 1 | $35K | $35K |
| 1 | Manufacturers and Traders Trust Company | 1 | $250K | $250K |
| 1 | Pineland Bank | 1 | $400K | $400K |
| 1 | Republic Bank & Trust Company | 1 | $315K | $315K |
| 1 | The Bancorp Bank National Association | 1 | $1.3M | $1.3M |
Source: SBA FOIA 7(a) loan-level data, 2022 to 2026. Shows lenders with at least one approved Zero Latency loan in this period, ranked by loan count.
Zero Latency SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| CO | 1 | $1.3M | $1.3M |
| WV | 1 | $1.2M | $1.2M |
| LA | 1 | $977K | $977K |
| TX | 1 | $483K | $483K |
| FL | 1 | $400K | $400K |
| OH | 1 | $315K | $315K |
| NY | 2 | $285K | $143K |
Zero Latency SBA loans by year
How Zero Latency SBA loans have performed
Outcomes for every funded Zero Latency 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 Zero Latency 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 Zero Latency deal to a lender currently funding this brand.
Financing a Zero Latency franchise?
We know which lenders are actively funding Zero Latency deals right now and which fit your loan size and location. Pre-qualify and we'll find your match (free to borrowers).