Franchise brands › All Dry
Franchise brand65 approvals since FY2021
SBA loans to All Dry 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 65 loan approvals since FY2021 under the All Dry franchise brand, worth $10.6M; 65 of them came in FY2021 to FY2025.
In FY2025 there were 2. The average approval in the five-year window was $164K.
19 lenders made the FY2021 to FY2025 loans across 22 states; the most active were The Huntington National Bank (26), United Midwest Savings Bank National Association (15) and Readycap Lending, LLC (4).
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* | 0 | — | — | 0 | 0 |
| FY2025 | 2 | — | — | 0 | 14 |
| FY2024 | 1 | — | — | 0 | 10 |
| FY2023 | 22 | $3.5M | $161K | 0 | 159 |
| FY2022 | 28 | $4.5M | $161K | 0 | 162 |
| FY2021 | 12 | $2.0M | $171K | 0 | 159 |
| FY2020 | 0 | — | — | 0 | 0 |
| FY2019 | 0 | — | — | 0 | 0 |
| FY2018 | 0 | — | — | 0 | 0 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "All Dry". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | All Dry | All SBA loans |
|---|---|---|
| Approvals in these years | 12 | 725,496 |
| Cancelled or never disbursed | 2 | 91,827 |
| Disbursed loans | 10 | 633,669 |
| Paid in full | 5 | 471,304 |
| Charged off | 0 | 37,796 |
| Still outstanding (status exempt from disclosure) | 5 | 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 | 26 | $3.6M | 40.0% | |
| 2 | United Midwest Savings Bank National AssociationDe Graff, OH | 15 | $2.3M | 23.1% | |
| 3 | Readycap Lending, LLCBerkeley Heights, NJ | 4 | $1.2M | 6.2% | |
| 4 | The Callaway BankFulton, MO | 2 | — | 3.1% | |
| 5 | Bonvenu Bank NABossier City, LA | 2 | — | 3.1% | |
| 6 | Manufacturers and Traders Trust CompanyBuffalo, NY | 2 | — | 3.1% | |
| 7 | Bangor Savings BankBangor, ME | 2 | — | 3.1% | |
| 8 | Washington Trust BankSpokane, WA | 1 | — | 1.5% | |
| 9 | Hyperion BankPhiladelphia, PA | 1 | — | 1.5% | |
| 10 | TransPecos Banks, SSB.Pecos, TX | 1 | — | 1.5% | |
| 11 | The Bank of HoustonHouston, MO | 1 | — | 1.5% | |
| 12 | Locality BankFort Lauderdale, FL | 1 | — | 1.5% | |
| 13 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 1.5% | |
| 14 | The Bancorp Bank National AssociationSioux Falls, SD | 1 | — | 1.5% | |
| 15 | Bank of Jackson Hole TrustJackson, WY | 1 | — | 1.5% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | California | 9 | 13.8% | |
| 2 | Texas | 9 | 13.8% | |
| 3 | Virginia | 5 | 7.7% | |
| 4 | Florida | 5 | 7.7% | |
| 5 | Delaware | 4 | 6.2% | |
| 6 | Louisiana | 4 | 6.2% | |
| 7 | Missouri | 3 | 4.6% | |
| 8 | Michigan | 3 | 4.6% | |
| 9 | New Jersey | 3 | 4.6% | |
| 10 | Maine | 3 | 4.6% | |
| 11 | Georgia | 2 | 3.1% | |
| 12 | Kentucky | 2 | 3.1% | |
| 13 | Illinois | 2 | 3.1% | |
| 14 | Iowa | 2 | 3.1% | |
| 15 | South Carolina | 2 | 3.1% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Remediation and Other Waste Management ServicesNAICS 5629 | 50 | 76.9% | |
| 2 | Residential Building ConstructionNAICS 2361 | 5 | 7.7% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 5 | 7.7% | |
| 4 | Waste CollectionNAICS 5621 | 2 | 3.1% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 3.1% |
Approval sizes
- $50,000 or less24.6%16
- $50,001 to $150,00027.7%18
- $150,001 to $350,00047.7%31
Age of the businesses
- Existing, more than 2 years old4.6%3
- New business, 2 years or less6.2%4
- Startup, loan funds will open the business86.2%56
- Change of ownership1.5%1
- Not answered1.5%1
Questions and answers
How many SBA loans go to All Dry franchises?
65 approvals since FY2021, worth $10.6M; 65 in FY2021 to FY2025.
Which lenders make SBA loans for All Dry franchises?
By approvals in FY2021 to FY2025: The Huntington National Bank (26), United Midwest Savings Bank National Association (15), Readycap Lending, LLC (4), The Callaway Bank (2), Bonvenu Bank NA (2).
How large is a typical SBA loan for a All Dry franchise?
The average approval in FY2021 to FY2025 was $164K.
What share of All Dry 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 All Dry franchises rising?
Approvals in the three latest complete fiscal years total 25, against 40 in the three before: falling (-37%).
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