SBA Loans for Ziggi's Coffee Franchises
Who actually funds Ziggi's Coffee 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 Ziggi's Coffee SBA loans
Ranked by number of Ziggi's Coffee 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | TowneBank | 11 | $8.3M | $757K |
| 2 | The Huntington National Bank | 8 | $4.3M | $540K |
| 3 | First Bank & Trust | 3 | $4.9M | $1.6M |
| 3 | First National Bank of Omaha | 3 | $1.2M | $385K |
| 5 | State Bank | 2 | $1.3M | $650K |
| 5 | First Commonwealth Bank | 2 | $3.3M | $1.7M |
| 5 | The Lyon County State Bank | 2 | $2.7M | $1.3M |
| 5 | Byline Bank | 2 | $329K | $165K |
| 5 | FlatIrons Bank | 2 | $740K | $370K |
| 5 | Gulf Coast Bank and Trust Company | 2 | $1.4M | $676K |
| 5 | OptimumBank | 2 | $1.6M | $790K |
| 12 | The Bancorp Bank National Association | 1 | $1.2M | $1.2M |
| 12 | United Community Bank | 1 | $1.1M | $1.1M |
| 12 | Capital Bank, National Association | 1 | $1.8M | $1.8M |
| 12 | Celtic Bank Corporation | 1 | $1.4M | $1.4M |
| 12 | Citizens Bank | 1 | $2.8M | $2.8M |
| 12 | Climate First Bank | 1 | $1.6M | $1.6M |
| 12 | InBank | 1 | $50K | $50K |
| 12 | JPMorgan Chase Bank, National Association | 1 | $2.0M | $2.0M |
| 12 | Luminate Bank | 1 | $1.0M | $1.0M |
| 12 | Nicolet National Bank | 1 | $1.8M | $1.8M |
| 12 | OMB Bank | 1 | $1.4M | $1.4M |
| 12 | PNC Bank, National Association | 1 | $2.1M | $2.1M |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2026. Shows lenders with at least one approved Ziggi's Coffee loan in this period, ranked by loan count.
Ziggi's Coffee SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| CO | 11 | $6.7M | $607K |
| GA | 2 | $4.5M | $2.2M |
| KS | 3 | $4.2M | $1.4M |
| OK | 3 | $3.7M | $1.2M |
| IN | 4 | $3.7M | $914K |
| SD | 3 | $2.9M | $977K |
| AZ | 4 | $2.8M | $693K |
| IA | 2 | $2.7M | $1.4M |
| CA | 2 | $2.2M | $1.1M |
| FL | 1 | $2.1M | $2.1M |
| MI | 4 | $2.1M | $520K |
| AR | 1 | $1.8M | $1.8M |
| WI | 1 | $1.8M | $1.8M |
| TX | 1 | $1.6M | $1.6M |
| ME | 1 | $1.4M | $1.4M |
Ziggi's Coffee SBA loans by year
How Ziggi's Coffee SBA loans have performed
Outcomes for every funded Ziggi's Coffee 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 Ziggi's Coffeefrom the SBA Franchise Directory
1. When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Conditional Assignment of Lease may not be executed. 2. Franchisor may not enforce a Purchase Option on the Real Estate owned by the Franchisee and taken as collateral for the SBA Loan. 3. Lender/CDC must ensure that they obtain the correct lien position on all collateral as required pursuant to the SOP 50 10.
How to use this
The lenders above have actually closed SBA 7(a) loans for Ziggi's Coffee 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 Ziggi's Coffee deal to a lender currently funding this brand.
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