Franchise brands › 4Ever Young
Franchise brand57 approvals since FY2019
SBA loans to 4Ever Young franchises
Approvals SBA files under the brand's franchise code. The loans are to independent franchise owners; this page describes the brand in aggregate and no franchisee.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA lists 57 loan approvals since FY2019 under the 4Ever Young franchise brand, worth $19.6M; 53 of them came in FY2021 to FY2025.
In FY2025 there were 6, down 57% on FY2024. The average approval in the five-year window was $346K.
12 lenders made the FY2021 to FY2025 loans across 16 states; the most active were The Huntington National Bank (37), Climate First Bank (2) and First Bank of the Lake (2).
These are loans to independent franchise owners, not to the franchisor.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Loans by fiscal year
| Fiscal year | Approvals | Dollars approved | Average approval | of which 504 | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 3 | $1.1M | $355K | 0 | 17 |
| FY2025 | 6 | $3.6M | $592K | 0 | 33 |
| FY2024 | 14 | $5.0M | $358K | 0 | 101 |
| FY2023 | 22 | $6.5M | $296K | 0 | 241 |
| FY2022 | 10 | $3.0M | $302K | 0 | 104 |
| FY2021 | 1 | — | — | 0 | 5 |
| FY2020 | 0 | — | — | 0 | 0 |
| FY2019 | 1 | — | — | 0 | 5 |
| FY2018 | 0 | — | — | 0 | 0 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "4Ever Young". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | 4Ever Young | All SBA loans |
|---|---|---|
| Approvals in these years | 2 | 725,496 |
| Cancelled or never disbursed | 1 | 91,827 |
| Disbursed loans | 1 | 633,669 |
| Paid in full | 1 | 471,304 |
| Charged off | 0 | 37,796 |
| Still outstanding (status exempt from disclosure) | 0 | 124,569 |
| Charged off, share of disbursed loans | too few loans | 6.0% |
| Dollars charged off, share of disbursed dollars | too few loans | 2.2% |
| Dollars charged off | — | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 37 | $10.7M | 69.8% | |
| 2 | Climate First BankSt. Petersburg, FL | 2 | — | 3.8% | |
| 3 | First Bank of the LakeOsage Beach, MO | 2 | — | 3.8% | |
| 4 | St. Louis BankSt. Louis, MO | 2 | — | 3.8% | |
| 5 | Arbor BankNebraska City, NE | 2 | — | 3.8% | |
| 6 | Virginia National BankCharlottesville, VA | 2 | — | 3.8% | |
| 7 | BayFirst National BankSaint Petersburg, FL | 1 | — | 1.9% | |
| 8 | PlainsCapital BankDallas, TX | 1 | — | 1.9% | |
| 9 | Wallis BankWallis, TX | 1 | — | 1.9% | |
| 10 | City State BankNorwalk, IA | 1 | — | 1.9% | |
| 11 | Midwest Regional BankFestus, MO | 1 | — | 1.9% | |
| 12 | Lake Michigan CUGrand Rapids, MI | 1 | — | 1.9% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Florida | 11 | 20.8% | |
| 2 | Texas | 8 | 15.1% | |
| 3 | New Jersey | 5 | 9.4% | |
| 4 | Colorado | 4 | 7.5% | |
| 5 | Virginia | 4 | 7.5% | |
| 6 | Arizona | 3 | 5.7% | |
| 7 | Georgia | 2 | 3.8% | |
| 8 | Kansas | 2 | 3.8% | |
| 9 | North Carolina | 2 | 3.8% | |
| 10 | Illinois | 2 | 3.8% | |
| 11 | Pennsylvania | 2 | 3.8% | |
| 12 | South Carolina | 2 | 3.8% | |
| 13 | Louisiana | 2 | 3.8% | |
| 14 | Nebraska | 2 | 3.8% | |
| 15 | Utah | 1 | 1.9% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Personal Care ServicesNAICS 8121 | 34 | 64.2% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 10 | 18.9% | |
| 3 | Health and Personal Care RetailersNAICS 4561 | 5 | 9.4% | |
| 4 | Offices of PhysiciansNAICS 6211 | 3 | 5.7% | |
| 5 | Health and Personal Care StoresNAICS 4461 | 1 | 1.9% |
Approval sizes
- $50,000 or less34.0%18
- $50,001 to $150,0007.5%4
- $150,001 to $350,0003.8%2
- $350,001 to $1 million52.8%28
- $1 million to $2 million1.9%1
Age of the businesses
- Existing, more than 2 years old3.8%2
- New business, 2 years or less5.7%3
- Startup, loan funds will open the business90.6%48
Questions and answers
How many SBA loans go to 4Ever Young franchises?
57 approvals since FY2019, worth $19.6M; 53 in FY2021 to FY2025.
Which lenders make SBA loans for 4Ever Young franchises?
By approvals in FY2021 to FY2025: The Huntington National Bank (37), Climate First Bank (2), First Bank of the Lake (2), St. Louis Bank (2), Arbor Bank (2).
How large is a typical SBA loan for a 4Ever Young franchise?
The average approval in FY2021 to FY2025 was $346K.
What share of 4Ever Young SBA loans are charged off?
There are fewer than 30 disbursed loans from the matured approval years, too few for a rate.
Are SBA loans to 4Ever Young franchises rising?
Approvals in the three latest complete fiscal years total 42, against 11 in the three before: rising (+282%).
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error