Franchise brand106 approvals since FY2011

SBA loans to Auntie Anne's 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 106 loan approvals since FY2011 under the Auntie Anne's franchise brand, worth $33.8M; 24 of them came in FY2021 to FY2025.

In FY2025 there were 6. The average approval in the five-year window was $401K.

18 lenders made the FY2021 to FY2025 loans across 14 states; the most active were Fulton Bank, National Association (3), CenTrust Bank, A Division of SmartBiz Bank National Association (2) and Craft Bank (2).

Of loans approved in FY2010 to FY2021 and disbursed, SBA records 3.3% 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.

106approvals since FY2011$33.8M

24approvals, FY2021–FY2025FY2025: 6

$401Kaverage approval, FY2021–FY2025all SBA loans: $573K

18lenders, FY2021–FY202514 states

3.3%loans approved FY2010–FY2021 charged offall SBA loans: 6.0%

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	Jobs supported, as reported
FY2026*	9	$4.8M	$536K	116
FY2025	6	$1.9M	$322K	79
FY2024	2	—	—	52
FY2023	6	$3.2M	$527K	113
FY2022	4	$1.0M	$252K	41
FY2021	6	$2.1M	$354K	86
FY2020	12	$3.1M	$260K	153
FY2019	10	$3.1M	$308K	124
FY2018	14	$4.2M	$303K	186
FY2017	5	$1.2M	$238K	74
FY2016	17	$4.4M	$261K	254

SBA's franchise field lists the brand as "AUNTIE ANNE'S"; "Auntie Anne's". Codes SBA has used for the same brand name are added together.

Charge-off cohort rate

Auntie Anne's franchises3.3%

All SBA 7(a) and 504 loans6.0%

Share of disbursed loans approved FY2010–FY2021 that SBA records as charged off. A brand's rate reflects when and where its franchise owners borrowed and how much, as well as the brand.

Loans approved FY2010–FY2021	Auntie Anne's	All SBA loans
Approvals in these years	79	725,496
Cancelled or never disbursed	19	91,827
Disbursed loans	60	633,669
Paid in full	40	471,304
Charged off	2	37,796
Still outstanding (status exempt from disclosure)	18	124,569
Charged off, share of disbursed loans	3.3%	6.0%
Dollars charged off, share of disbursed dollars	2.8%	2.2%
Dollars charged off	$479K	$6.20bn

Lenders

#	Lender, FY2021–FY2025	Approvals	Dollars	Share
1	Fulton Bank, National AssociationLancaster, PA	3	$1.6M	12.5%
2	CenTrust Bank, A Division of SmartBiz Bank National AssociationNorthbrook, IL	2	—	8.3%
3	Craft BankAtlanta, GA	2	—	8.3%
4	The Huntington National BankColumbus, OH	2	—	8.3%
5	Columbia BankLake Oswego, OR	2	—	8.3%
6	Colony BankFitzgerald, GA	1	—	4.2%
7	South Central Bank, Inc.Glasgow, KY	1	—	4.2%
8	Live Oak Banking CompanyWilmington, NC	1	—	4.2%
9	Hanover Community BankMineola, NY	1	—	4.2%
10	PCB BankLos Angeles, CA	1	—	4.2%
11	The State Bank and Trust CompanyDefiance, OH	1	—	4.2%
12	MI BankBloomfield Township, MI	1	—	4.2%
13	Bank of America, National AssociationCharlotte, NC	1	—	4.2%
14	Pinnacle BankNashville, TN	1	—	4.2%
15	Spring BankNew York City, NY	1	—	4.2%

States

#	State of the business, FY2021–FY2025	Approvals	Share
1	New Jersey	4	16.7%
2	Texas	3	12.5%
3	Illinois	2	8.3%
4	Maryland	2	8.3%
5	New York	2	8.3%
6	Pennsylvania	2	8.3%
7	Oregon	2	8.3%
8	Ohio	1	4.2%
9	Kentucky	1	4.2%
10	California	1	4.2%
11	Indiana	1	4.2%
12	Michigan	1	4.2%
13	Colorado	1	4.2%
14	Alabama	1	4.2%

Filed under

#	Industry group	Approvals	Share
1	Restaurants and Other Eating PlacesNAICS 7225	21	87.5%
2	Other Amusement and Recreation IndustriesNAICS 7139	1	4.2%
3	Special Food ServicesNAICS 7223	1	4.2%
4	Limited-Service Eating PlacesNAICS 7222	1	4.2%

Approval sizes

$50,000 or less8.3%2
$50,001 to $150,0008.3%2
$150,001 to $350,00029.2%7
$350,001 to $1 million54.2%13

Age of the businesses

Existing, more than 2 years old20.8%5
New business, 2 years or less25.0%6
Startup, loan funds will open the business41.7%10
Change of ownership12.5%3

Questions and answers

How many SBA loans go to Auntie Anne's franchises?

106 approvals since FY2011, worth $33.8M; 24 in FY2021 to FY2025.

Which lenders make SBA loans for Auntie Anne's franchises?

By approvals in FY2021 to FY2025: Fulton Bank, National Association (3), CenTrust Bank, A Division of SmartBiz Bank National Association (2), Craft Bank (2), The Huntington National Bank (2), Columbia Bank (2).

How large is a typical SBA loan for a Auntie Anne's franchise?

The average approval in FY2021 to FY2025 was $401K.

What share of Auntie Anne's SBA loans are charged off?

Of 60 disbursed loans approved in FY2010 to FY2021, 2 (3.3%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.

Are SBA loans to Auntie Anne's franchises rising?

Approvals in the three latest complete fiscal years total 14, against 22 in the three before: falling (-36%).

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