SBA Loans for The Back Nine Franchises
Who actually funds The Back Nine SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2023 to 2026.
Top lenders funding The Back Nine SBA loans
Ranked by number of The Back Nine 7(a) loans approved since 2023.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 49 | $9.9M | $201K |
| 2 | First Bank of the Lake | 11 | $6.3M | $573K |
| 3 | Mountain America FCU | 10 | $2.3M | $230K |
| 3 | CDC Small Business Finance Corp. | 10 | $3.3M | $333K |
| 5 | Magnifi Financial CU | 9 | $3.4M | $380K |
| 6 | First Commonwealth Bank | 7 | $2.6M | $375K |
| 7 | Oconee State Bank | 5 | $2.6M | $511K |
| 8 | FWBank | 4 | $2.1M | $514K |
| 8 | Leader Bank, National Association | 4 | $2.1M | $531K |
| 8 | Newtek Bank, National Association | 4 | $1.4M | $350K |
| 8 | Quaint Oak Bank | 4 | $2.3M | $579K |
| 12 | Zions Bancorporation, National Association | 3 | $1.2M | $406K |
| 12 | First National Bank of Coffee County | 3 | $1.6M | $550K |
| 12 | Live Oak Banking Company | 3 | $840K | $280K |
| 12 | ACC Capital | 3 | $1.4M | $455K |
| 12 | Manufacturers and Traders Trust Company | 3 | $826K | $275K |
Source: SBA FOIA 7(a) loan-level data, 2023 to 2026. Shows lenders with at least one approved The Back Nine loan in this period, ranked by loan count.
The Back Nine SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| TX | 32 | $11.8M | $369K |
| FL | 24 | $10.6M | $443K |
| MI | 10 | $4.3M | $435K |
| VA | 8 | $3.9M | $493K |
| TN | 11 | $3.9M | $355K |
| PA | 9 | $3.3M | $361K |
| NC | 5 | $2.2M | $438K |
| NJ | 6 | $2.2M | $359K |
| UT | 9 | $1.9M | $214K |
| OH | 5 | $1.9M | $371K |
| GA | 8 | $1.8M | $221K |
| CO | 5 | $1.7M | $342K |
| NV | 5 | $1.6M | $319K |
| NY | 4 | $1.6M | $388K |
| MD | 5 | $1.5M | $306K |
The Back Nine SBA loans by year
How The Back Nine SBA loans have performed
Outcomes for every funded The Back Nine 7(a) loan approved since FY2010. Each SBA loan usually finances one location, so read these as an estimate of units.
Source: SBA FOIA 7(a) loan-level data. Defaulted means the SBA purchased the guaranty (charged off, or purchased and not yet charged off). Recent loans have had less time to default, and small loan counts swing widely, so one or two loans can move these percentages a lot.
How to use this
The lenders above have actually closed SBA 7(a) loans for The Back Nine franchisees, so they already understand the brand's model, unit economics, and franchise agreement. That familiarity usually means a faster, cleaner underwrite than a lender seeing the concept for the first time.
A lender being active historically doesn't mean they're the right fit for your deal size, location, or timing right now. That's where we come in, and we match your The Back Nine deal to a lender currently funding this brand.
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