Updated with official SBA FOIA data through December 31, 2025
Looking for an SBA loan to buy or open a Paris Baguette franchise? Not all lenders are equal — some banks fund dozens of Paris Baguette deals per year while others have never touched one. Working with a lender who knows your franchise means faster approvals, better terms, and fewer surprises.
We analyzed every SBA 7(a) loan for Paris Baguette in 2025 using official FOIA data. Here are the lenders who fund the most deals.
Top SBA Lenders for Paris Baguette (2025)
| # | Lender | Loans | Volume | Avg Rate |
|---|---|---|---|---|
| 1 | Celtic Bank Corporation | 4 | $7.5M | 9.56% |
| 2 | Byline Bank | 3 | $5.6M | 10.08% |
| 3 | Community Bank & Trust-West Georgia | 3 | $4.2M | 9.75% |
| 4 | John Marshall Bank | 2 | $3.3M | 9.50% |
| 5 | The Huntington National Bank | 2 | $1.4M | 10.00% |
| 6 | The Bank of Houston | 1 | $1.6M | 10.00% |
| 7 | ConnectOne Bank | 1 | $1.4M | 9.25% |
| 8 | Bank of Hope | 1 | $250K | 9.50% |
| 9 | Hancock Whitney Bank | 1 | $2.6M | 9.75% |
| 10 | Gulf Coast Bank and Trust Company | 1 | $1.5M | 10.00% |
| 11 | The Bancorp Bank National Association | 1 | $1.6M | 8.50% |
| 12 | Banc of California | 1 | $1.6M | 7.50% |
| 13 | Choice Financial Group | 1 | $1.7M | 8.85% |
| 14 | Hyperion Bank | 1 | $838K | 8.00% |
| 15 | Brookline Bank, a Division of Beacon Bank and Trust | 1 | $1.6M | 9.50% |
Key Stats
- Total SBA loans for Paris Baguette in 2025: 36
- Total volume: $50.1M
- Average loan size: $1.4M
- Average interest rate: 9.47%
- Rate range: 7.00% – 12.00%
- Top states: California (8), Texas (7), Virginia (4), Pennsylvania (2), Michigan (2), Illinois (2), New Jersey (2), Florida (2), Ohio (2), Missouri (1)
Why lender choice matters: The rate spread for Paris Baguette loans ranges from 7.00% to 12.00%. On a $1.4M loan, that’s a difference of $70K/year in interest. Choosing the right lender can save you thousands.
How to Get the Best SBA Loan for Paris Baguette
- Work with a lender who knows Paris Baguette — The lenders above have funded multiple Paris Baguette deals and understand the franchise model
- Submit to multiple lenders — Don’t accept the first term sheet. Competition drives rates down.
- Get your franchise agreement ready — SBA lenders will need your FDD, franchise agreement, and any territory documents
- Prepare financial projections — Most lenders require a business plan with 3-year projections for franchise loans
Getting an SBA Loan for Paris Baguette?
GoSBA submits your Paris Baguette deal to 50+ SBA lenders simultaneously — including all the top lenders listed above. Completely free, with a custom business plan & projections included.
Data source: U.S. Small Business Administration FOIA 7(a) loan data, calendar year 2025.
