Updated with official SBA FOIA data through December 31, 2025
Looking for an SBA loan to buy or open a D1T raining franchise? Not all lenders are equal — some banks fund dozens of D1T raining 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 D1T raining in 2025 using official FOIA data. Here are the lenders who fund the most deals.
Top SBA Lenders for D1T raining (2025)
| # | Lender | Loans | Volume | Avg Rate |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 20 | $6.6M | 9.88% |
| 2 | First Bank of the Lake | 4 | $3.5M | 10.19% |
| 3 | HomeTrust Bank | 2 | $1.6M | 10.00% |
| 4 | Climate First Bank | 2 | $1.4M | 10.00% |
| 5 | VelocitySBA, LLC | 2 | $1.2M | 10.25% |
| 6 | Atlantic Union Bank | 1 | $746K | 8.50% |
| 7 | Adams Bank & Trust | 1 | $576K | 10.25% |
| 8 | Choice Financial Group | 1 | $500K | 9.95% |
| 9 | DFCU Financial | 1 | $825K | 9.00% |
| 10 | NBT Bank, National Association | 1 | $740K | 7.25% |
| 11 | Oconee State Bank | 1 | $668K | 9.50% |
| 12 | GBank | 1 | $394K | 9.50% |
| 13 | Pinnacle Bank | 1 | $868K | 8.50% |
| 14 | Georgia Banking Company | 1 | $990K | 9.00% |
| 15 | Flushing Bank | 1 | $750K | 10.00% |
Key Stats
- Total SBA loans for D1T raining in 2025: 40
- Total volume: $21.3M
- Average loan size: $533K
- Average interest rate: 9.76%
- Rate range: 7.25% – 10.50%
- Top states: Texas (6), Utah (4), New York (4), Florida (4), California (3), Ohio (2), Virginia (2), Michigan (2), Illinois (2), Colorado (1)
Why lender choice matters: The rate spread for D1T raining loans ranges from 7.25% to 10.50%. On a $533K loan, that’s a difference of $17K/year in interest. Choosing the right lender can save you thousands.
How to Get the Best SBA Loan for D1T raining
- Work with a lender who knows D1T raining — The lenders above have funded multiple D1T raining 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 D1T raining?
GoSBA submits your D1T raining 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.
