Franchise brands › American Deli
Franchise brand60 approvals since FY2014
SBA loans to American Deli 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 60 loan approvals since FY2014 under the American Deli franchise brand, worth $25.9M; 24 of them came in FY2021 to FY2025.
In FY2025 there were 4. The average approval in the five-year window was $535K.
8 lenders made the FY2021 to FY2025 loans across 7 states; the most active were Metro City Bank (9), Bank of Hope (5) and Hanmi Bank (2).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 0.0% as charged off, below the 6.0% for all SBA loans from those years. The figures describe loans to independent franchise owners, not 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* | 7 | $5.6M | $799K | 0 | 88 |
| FY2025 | 4 | $2.3M | $571K | 0 | 30 |
| FY2024 | 4 | $2.3M | $578K | 0 | 37 |
| FY2023 | 5 | $3.4M | $687K | 0 | 24 |
| FY2022 | 3 | $1.4M | $465K | 0 | 37 |
| FY2021 | 8 | $3.4M | $427K | 0 | 70 |
| FY2020 | 2 | — | — | 0 | 11 |
| FY2019 | 4 | $1.3M | $315K | 0 | 17 |
| FY2018 | 11 | $2.6M | $232K | 0 | 62 |
| FY2017 | 6 | $1.3M | $217K | 0 | 25 |
| FY2016 | 5 | $1.4M | $272K | 0 | 30 |
SBA's franchise field lists the brand as "AMERICAN DELI"; "American Deli". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | American Deli | All SBA loans |
|---|---|---|
| Approvals in these years | 37 | 725,496 |
| Cancelled or never disbursed | 5 | 91,827 |
| Disbursed loans | 32 | 633,669 |
| Paid in full | 20 | 471,304 |
| Charged off | 0 | 37,796 |
| Still outstanding (status exempt from disclosure) | 12 | 124,569 |
| Charged off, share of disbursed loans | 0.0% | 6.0% |
| Dollars charged off, share of disbursed dollars | 0.0% | 2.2% |
| Dollars charged off | $0 | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Metro City BankDoraville, GA | 9 | $5.0M | 37.5% | |
| 2 | Bank of HopeLos Angeles, CA | 5 | $2.6M | 20.8% | |
| 3 | Hanmi BankLos Angeles, CA | 2 | — | 8.3% | |
| 4 | Golden Bank National AssociationHouston, TX | 2 | — | 8.3% | |
| 5 | PCB BankLos Angeles, CA | 2 | — | 8.3% | |
| 6 | Loyal Trust BankJohns Creek, GA | 2 | — | 8.3% | |
| 7 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 4.2% | |
| 8 | Commonwealth Business BankLos Angeles, CA | 1 | — | 4.2% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Georgia | 13 | 54.2% | |
| 2 | Tennessee | 4 | 16.7% | |
| 3 | California | 2 | 8.3% | |
| 4 | Alabama | 2 | 8.3% | |
| 5 | Texas | 1 | 4.2% | |
| 6 | Arkansas | 1 | 4.2% | |
| 7 | North Carolina | 1 | 4.2% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 24 | 100.0% |
Approval sizes
- $50,001 to $150,0004.2%1
- $150,001 to $350,00016.7%4
- $350,001 to $1 million70.8%17
- $1 million to $2 million8.3%2
Age of the businesses
- Existing, more than 2 years old25.0%6
- New business, 2 years or less37.5%9
- Startup, loan funds will open the business8.3%2
- Change of ownership29.2%7
Questions and answers
How many SBA loans go to American Deli franchises?
60 approvals since FY2014, worth $25.9M; 24 in FY2021 to FY2025.
Which lenders make SBA loans for American Deli franchises?
By approvals in FY2021 to FY2025: Metro City Bank (9), Bank of Hope (5), Hanmi Bank (2), Golden Bank National Association (2), PCB Bank (2).
How large is a typical SBA loan for a American Deli franchise?
The average approval in FY2021 to FY2025 was $535K.
What share of American Deli SBA loans are charged off?
Of 32 disbursed loans approved in FY2010 to FY2021, 0 (0.0%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to American Deli franchises rising?
Approvals in the three latest complete fiscal years total 13, against 13 in the three before: broadly level (0%).
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