SBA Franchise Directory: Is Your Franchise SBA Eligible?
Search all 3,641 brands on the SBA Franchise Directory. See whether a brand is approved for SBA 7(a) and 504 loans, the conditions SBA attaches, and which lenders actually fund it, from 38,662 SBA franchise loans made since FY2020. Then apply, free, and we take your deal to the lenders that fit.
Directory: SBA Franchise Directory export dated November 10, 2026. Lending: SBA 7(a) FOIA data, FY2020 to FY2026, through September 30, 2026.
Check A Franchise
Type the brand name. Results show the SBA listing, SBA’s conditions for the brand and the lenders that fund it most.
The Most Financed Franchises
Ranked by SBA 7(a) loans to franchisees from FY2020 to FY2026, matched to the current SBA Franchise Directory. Each page ranks the lenders for that brand, with average loan sizes and rates, and explains how to qualify.
| # | Franchise | SBA Loans | Dollars | Average Loan | Lenders |
|---|---|---|---|---|---|
| 1 | The UPS Store | 981 | $378M | $385K | 207 |
| 2 | Hotworx | 464 | $177M | $381K | 109 |
| 3 | Quality Inn | 328 | $933M | $2.8M | 78 |
| 4 | Subway | 326 | $119M | $365K | 138 |
| 5 | Anytime Fitness | 318 | $178M | $559K | 85 |
| 6 | Ace Hardware | 302 | $316M | $1.0M | 103 |
| 7 | Crumbl | 282 | $171M | $606K | 84 |
| 8 | Super 8 by Wyndham | 279 | $583M | $2.1M | 72 |
| 9 | The Goddard School | 274 | $525M | $1.9M | 55 |
| 10 | Tropical Smoothie Cafe | 265 | $133M | $503K | 85 |
| 11 | Naturals2Go | 259 | $34.2M | $132K | 8 |
| 12 | Jersey Mike’s Subs | 251 | $128M | $508K | 75 |
| 13 | Scooter's Coffee | 250 | $270M | $1.1M | 66 |
| 14 | Domino's Pizza | 248 | $210M | $845K | 43 |
| 15 | Days Inn | 245 | $606M | $2.5M | 71 |
| 16 | Comfort Inn, Comfort Inn & Suites & Comfort Suites | 242 | $904M | $3.7M | 73 |
| 17 | Motel 6 | 231 | $659M | $2.9M | 67 |
| 18 | Best Western | 228 | $754M | $3.3M | 72 |
| 19 | Servpro | 212 | $201M | $948K | 72 |
| 20 | The Learning Experience | 199 | $139M | $700K | 50 |
| 21 | Budget Blinds | 197 | $96.8M | $491K | 50 |
| 22 | Smoothie King | 188 | $85.4M | $454K | 66 |
| 23 | Cold Stone Creamery | 186 | $74.5M | $401K | 75 |
| 24 | La Quinta by Wyndham | 185 | $712M | $3.8M | 49 |
| 25 | Primrose Schools | 183 | $381M | $2.1M | 34 |
Best 100 SBA Franchise Lenders (2027)
The lenders that closed the most franchise loans in FY2026, with startup share, average loan, rates and the brands each one funds.
More Franchise Lender Rankings
All 300 Franchise Lender Rankings, A to Z
A (16)
- AAMCO Transmissions and Total Car Care
- Ace Handyman Services
- Ace Hardware
- Aire Serv
- All Dry
- Alloy Personal Traning
- AlphaGraphics
- AM/PM Mini-Mart Agreement - ARCO Fuel - Contract Dealer Gasoline Agreement (BP West Coast Products)
- Amada Senior Care
- Amazing Lash Studio
- American Family Care
- Americas Best Value Inn
- Anytime Fitness
- Apricot Lane
- Auntie Anne's
- Aussie Pet Mobile
B (26)
- Bahama Buck's Original Shaved Ice Company
- Baskin-Robbins
- Batteries Plus
- Baymont by Wyndham
- bb.q Chicken
- beem Light Sauna
- Benjamin Franklin Plumbing
- Best Western
- Big O Tires - Business Format Franchise
- Biggby Coffee
- Bin There...Dump That
- Bio-One
- Blingle!
- Body20
- Bodybar Pilates
- Boyett Petroleum
- Bricks & Minifigs
- BrightStar Care
- British Swim School
- Bruster's Real Ice Cream
- Budget Blinds
- Bumble Bee Blinds
- Burger King
- Burn Boot Camp Fitness
- The Back Nine
- The Brothers that just do Gutters
C (28)
- Camp Bow Wow
- Capriotti's Sandwich Shop
- CarePatrol
- Cary Oil (Multi-Brand) Complete Contract of Sale (Branded)
- Celebree School
- CertaPro Painters
- Charleys Philly Steaks
- Chevron
- Chicken Salad Chick
- Christensen Inc.
- Christian Brothers Automotive
- Cinnaholic
- Citizens Fuel Co. (Citgo) Supply Agreement
- Clarion Inn by Choice Hotels
- Clean Eatz
- Clean Juice
- Club Pilates
- Code Ninjas
- Cold Stone Creamery
- College Hunks Hauling Junk, College Hunks Moving, College Hunks Hauling Junk & Moving
- ComForCare Home Care and At Your Side Home Care
- Comfort Inn, Comfort Inn & Suites & Comfort Suites
- Comfort Keepers
- Conserva Irrigation
- Country Inn and Suites by Radisson
- Crumbl
- Culver's
- CycleBar
D (14)
E (11)
F (10)
G (14)
H (15)
- Hammer & Nails Grooming For Guys
- Hampton Inn by Hilton
- Hand and Stone Massage and Facial Spa
- Henderson Oil Company (Multi Brands) Sales Agreement
- Heroes Lawn Care
- Holiday Inn Express
- Home Helpers Home Care
- Home Instead
- Homewatch CareGivers
- HomeWell Care Services
- Hotworx
- Hounds Town USA
- House Doctors
- HTeaO
- Hummus Republic
J (11)
K (6)
L (7)
M (23)
- Maaco
- Marco's Pizza
- Massage LuXe
- Mathnasium and Mathnasium, The Math Learning Center
- Medi-Weightloss
- Meineke Car Care Center
- Menchie's
- Microtel Inn & Suites by Wyndham
- Midas
- Mighty Dog Roofing
- Minuteman Press
- Mobility Plus
- Molly Maid
- Monster Tree Service
- Mosquito Authority
- Mosquito Joe
- Mosquito Shield
- Motel 6
- Mountain Mike's Pizza
- Mr. Appliance
- Mr. Electric
- Mr. Handyman
- Mr. Rooter Plumbing
P (24)
- Papa John's
- Papa Murphy's Take 'N' Bake Pizza
- Paris Baguette
- Patrice & Associates
- Paul Davis Restoration
- Pearle Vision
- Perspire Sauna Studio
- Pet Supplies Plus
- Pirtek
- PJ's Coffee of New Orleans
- Plato's Closet
- Play It Again Sports
- Playa Bowls
- PostalAnnex+
- Premier Martial Arts Studio
- Prime IV Hydration & Wellness
- PrimoHoagies
- Primrose Schools
- Pro-Lift Garage Doors
- Pulp Juice and Smoothie Bar
- Pure Barre
- Pure Green
- PuroClean
- The Peach Cobbler Factory
Q (1)
R (14)
S (34)
- Sam the Concrete Man
- Scenthound
- School of Rock
- Schooley Mitchell
- Scooter's Coffee
- SEI Fuel Services, Inc (Multiple Brands) Motor Fuel Supply & Security Agreement
- Senior Helpers
- Seniors Helping Seniors
- ServiceMaster Clean
- Servpro
- Sharkey's Cuts for Kids
- Signarama
- Simple Simon's Pizza
- Sky Zone
- Sleep Inn by Choice Hotels
- Smash My Trash
- Smoothie King
- Snap Fitness
- Snap-On
- Sport Clips
- Spray-Net
- Stretch Lab
- Stretch Zone
- Subway
- Success On The Spectrum
- Sunoco, LLC (Various Brands) Fuel Supply Agreement
- Super 8 by Wyndham
- Superior Fence & Rail
- SureStay - SureStay Studio
- Surface Experts
- SWTHZ, SweatHouz
- Sylvan Learning Centers
- SYNERGY HomeCare
- The Spectrum Kid's Gyms
T (10)
U (5)
W (7)
X (1)
Y (1)
How SBA Franchise Loans Work
SBA 7(a) is the main loan program for opening or buying a franchise. Under SOP 50 10 8.1, the brand must be on the SBA Franchise Directory; after that, the rules are the same for every franchise.
The Directory Decides Eligibility
A brand on the SBA Franchise Directory has had its agreement reviewed by SBA. Lenders rely on the listing instead of reviewing the FDD for eligibility, which saves weeks.
10% Equity Injection
At least 10% of the total project cost comes from you on a new unit, and the lender cannot waive it. Savings, gifts and retirement funds all count.
Up To $5 Million
The 7(a) loan goes up to $5 million and can cover the franchise fee, build-out, equipment, signage, opening inventory and working capital.
10 Years, 25 For Real Estate
Business assets repay over up to 10 years with no balloon; a building you buy for the location can run up to 25 years.
Projections Plus Item 19
A new unit is underwritten on your projections, supported by the franchisor’s Item 19 earnings data, your experience and your personal finances.
Resales Use Real Numbers
Buying an existing unit is underwritten on its tax returns, with a 10% Down Payment of which up to half can be a seller note on full standby.
Ready To Open Your Franchise?
Send us the brand, the location and your rough budget. It takes about 2 minutes, costs nothing, and we come back within one business day with the lenders that fit.
Frequently Asked Questions
What is the SBA Franchise Directory?
It is SBA’s list of brands whose franchise, license, dealer or similar agreements SBA has reviewed. Under SOP 50 10 8.1, a brand must be on the directory before an SBA lender can close a 7(a) or 504 loan for it. SBA brought the directory back on June 1, 2025.
How do I know if my franchise is SBA approved?
Search the brand above. A listed brand that meets the FTC definition of a franchise, with an SBA Franchise Identifier Code, is eligible. Some brands are listed as not meeting the franchise definition, which means lenders treat them like independent businesses, and a few are listed for disaster loans only.
My franchise is not on the directory. What now?
The franchisor has to request a listing from SBA by emailing [email protected], with its FDD and agreements. Reviews typically take a few weeks. Until the brand is listed, SBA lenders cannot close the loan, though some will start underwriting in parallel.
How much do I need down to open a franchise with an SBA loan?
At least 10% of the total project cost, which includes the franchise fee, build-out, equipment, opening inventory and working capital. The lender cannot waive it on a new business. Some lenders and some brands want more.
Which lenders are best for franchise loans?
It depends on the brand. Each brand page here ranks the lenders that fund it most, with average loan sizes and rates. Lenders develop brand programs: the lender that funds the most hotels is rarely the one that funds the most fitness studios.
What does GoSBA cost?
Nothing. We are paid by the lender after your loan closes, not by you. GoSBA funded $320M across 126 loans in 2025, working with 50+ lenders.
Keep reading: Best 100 SBA Franchise Lenders · SBA Loans To Buy An Existing Franchise · SBA Lender Finder · Top 100 SBA Lenders · Best SBA Lenders By Industry
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