Updated with official SBA FOIA data through December 31, 2025
Looking for an SBA loan to buy or open a The Back Nine franchise? Not all lenders are equal — some banks fund dozens of The Back Nine 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 The Back Nine in 2025 using official FOIA data. Here are the lenders who fund the most deals.
Top SBA Lenders for The Back Nine (2025)
| # | Lender | Loans | Volume | Avg Rate |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 39 | $7.9M | 10.12% |
| 2 | First Bank of the Lake | 6 | $3.8M | 9.75% |
| 3 | CDC Small Business Finance Corp. | 4 | $1.2M | 10.44% |
| 4 | First Commonwealth Bank | 3 | $978K | 10.08% |
| 5 | Live Oak Banking Company | 2 | $640K | 9.74% |
| 6 | First National Bank of Coffee County | 2 | $1.1M | 10.00% |
| 7 | First Command Bank | 2 | $892K | 9.00% |
| 8 | Mountain America FCU | 2 | $654K | 7.75% |
| 9 | Magnifi Financial CU | 2 | $795K | 10.00% |
| 10 | PromiseOne Bank | 2 | $608K | 9.75% |
| 11 | Old National Bank | 2 | $577K | 8.38% |
| 12 | Univest Bank and Trust Co | 2 | $442K | 10.25% |
| 13 | Manufacturers and Traders Trust Company | 2 | $380K | 8.88% |
| 14 | BayFirst National Bank | 1 | $249K | 10.50% |
| 15 | Platinum Bank | 1 | $350K | 10.25% |
Key Stats
- Total SBA loans for The Back Nine in 2025: 89
- Total volume: $27.0M
- Average loan size: $304K
- Average interest rate: 9.81%
- Rate range: 7.00% – 10.50%
- Top states: Texas (13), Florida (11), Tennessee (7), Georgia (6), Iowa (5), Pennsylvania (5), Colorado (4), Louisiana (4), Michigan (4), Maryland (4)
Why lender choice matters: The rate spread for The Back Nine loans ranges from 7.00% to 10.50%. On a $304K loan, that’s a difference of $11K/year in interest. Choosing the right lender can save you thousands.
How to Get the Best SBA Loan for The Back Nine
- Work with a lender who knows The Back Nine — The lenders above have funded multiple The Back Nine 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 The Back Nine?
GoSBA submits your The Back Nine 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.
