Updated with official SBA FOIA data through December 31, 2025
Looking for an SBA loan to buy or open a Pirtek franchise? Not all lenders are equal — some banks fund dozens of Pirtek 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 Pirtek in 2025 using official FOIA data. Here are the lenders who fund the most deals.
Top SBA Lenders for Pirtek (2025)
| # | Lender | Loans | Volume | Avg Rate |
|---|---|---|---|---|
| 1 | Citizens Bank | 10 | $4.9M | 10.15% |
| 2 | The Huntington National Bank | 5 | $3.1M | 9.60% |
| 3 | HomeTrust Bank | 3 | $2.1M | 9.75% |
| 4 | Zions Bank, A Division of | 2 | $600K | 10.18% |
| 5 | BankCherokee | 2 | $1.6M | 8.50% |
| 6 | Newtek Bank, National Association | 1 | $250K | 10.50% |
| 7 | Live Oak Banking Company | 1 | $300K | 9.50% |
| 8 | Pinnacle Bank | 1 | $2.0M | 9.50% |
| 9 | VelocitySBA, LLC | 1 | $921K | 10.25% |
| 10 | Milestone Bank | 1 | $1.9M | 9.75% |
| 11 | Cadence Bank | 1 | $930K | 10.00% |
| 12 | United Midwest Savings Bank National Association | 1 | $150K | 10.25% |
| 13 | LendingClub Bank, National Association | 1 | $450K | 9.50% |
Key Stats
- Total SBA loans for Pirtek in 2025: 30
- Total volume: $19.1M
- Average loan size: $636K
- Average interest rate: 9.85%
- Rate range: 7.85% – 12.50%
- Top states: Ohio (5), California (4), Florida (3), Utah (2), Texas (2), Minnesota (2), Michigan (1), Oregon (1), Alabama (1), Virginia (1)
Why lender choice matters: The rate spread for Pirtek loans ranges from 7.85% to 12.50%. On a $636K loan, that’s a difference of $30K/year in interest. Choosing the right lender can save you thousands.
How to Get the Best SBA Loan for Pirtek
- Work with a lender who knows Pirtek — The lenders above have funded multiple Pirtek 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 Pirtek?
GoSBA submits your Pirtek 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.
