Franchise brands › D-Bat
Franchise brand142 approvals since FY2011
SBA loans to D-Bat 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.
Since FY2011, 142 SBA loan approvals worth $114M carry the D-Bat franchise code, 76 of them in FY2021 to FY2025.
In FY2025 there were 18, up 38% on FY2024. The average approval in the five-year window was $805K, and 4 of the approvals were 504 loans.
28 lenders made the FY2021 to FY2025 loans across 27 states; the most active were KeyBank National Association (30), Wells Fargo Bank National Association (8) and Georgia Banking Company (4).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 7.0% as charged off, above 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* | 13 | $13.0M | $1,000K | 0 | 93 |
| FY2025 | 18 | $12.0M | $667K | 1 | 153 |
| FY2024 | 13 | $13.9M | $1.1M | 0 | 310 |
| FY2023 | 16 | $12.5M | $784K | 1 | 184 |
| FY2022 | 17 | $14.0M | $822K | 1 | 228 |
| FY2021 | 12 | $8.8M | $730K | 1 | 174 |
| FY2020 | 13 | $11.2M | $861K | 2 | 171 |
| FY2019 | 15 | $8.3M | $553K | 1 | 200 |
| FY2018 | 15 | $10.9M | $727K | 0 | 151 |
| FY2017 | 4 | $1.5M | $383K | 0 | 41 |
| FY2016 | 1 | — | — | 0 | 3 |
SBA's franchise field lists the brand as "D-BAT"; "D-Bat". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | D-Bat | All SBA loans |
|---|---|---|
| Approvals in these years | 65 | 725,496 |
| Cancelled or never disbursed | 8 | 91,827 |
| Disbursed loans | 57 | 633,669 |
| Paid in full | 26 | 471,304 |
| Charged off | 4 | 37,796 |
| Still outstanding (status exempt from disclosure) | 27 | 124,569 |
| Charged off, share of disbursed loans | 7.0% | 6.0% |
| Dollars charged off, share of disbursed dollars | 3.0% | 2.2% |
| Dollars charged off | $1.3M | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | KeyBank National AssociationCleveland, OH | 30 | $24.2M | 39.5% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 8 | $7.4M | 10.5% | |
| 3 | Georgia Banking CompanyAtlanta, GA | 4 | $2.7M | 5.3% | |
| 4 | First Internet Bank of IndianaFishers, IN | 3 | $1.9M | 3.9% | |
| 5 | Beacon Bank and TrustBrookline, MA | 2 | — | 2.6% | |
| 6 | Capital Certified Development CorporationAustin, TX · CDC | 2 | — | 2.6% | |
| 7 | Glacier BankKalispell, MT | 2 | — | 2.6% | |
| 8 | Capital One National AssociationMcLean, VA | 2 | — | 2.6% | |
| 9 | The Huntington National BankColumbus, OH | 2 | — | 2.6% | |
| 10 | Wings Credit UnionColorado Springs, CO | 2 | — | 2.6% | |
| 11 | Citizens State BankHudson, WI | 2 | — | 2.6% | |
| 12 | 22nd State Bank, A Division of 22nd State Banking CompanyMobile, AL | 1 | — | 1.3% | |
| 13 | First Commonwealth BankIndiana, PA | 1 | — | 1.3% | |
| 14 | Mountain West Small Business FinanceSalt Lake City, UT · CDC | 1 | — | 1.3% | |
| 15 | Old Second National BankAurora, IL | 1 | — | 1.3% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Texas | 16 | 21.1% | |
| 2 | Illinois | 7 | 9.2% | |
| 3 | Wisconsin | 6 | 7.9% | |
| 4 | Alabama | 4 | 5.3% | |
| 5 | Florida | 4 | 5.3% | |
| 6 | Utah | 4 | 5.3% | |
| 7 | California | 3 | 3.9% | |
| 8 | Missouri | 3 | 3.9% | |
| 9 | Ohio | 3 | 3.9% | |
| 10 | Pennsylvania | 2 | 2.6% | |
| 11 | Louisiana | 2 | 2.6% | |
| 12 | Kansas | 2 | 2.6% | |
| 13 | Georgia | 2 | 2.6% | |
| 14 | Virginia | 2 | 2.6% | |
| 15 | Indiana | 2 | 2.6% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Amusement and Recreation IndustriesNAICS 7139 | 45 | 59.2% | |
| 2 | Other Schools and InstructionNAICS 6116 | 28 | 36.8% | |
| 3 | Promoters of Performing Arts, Sports, and Similar EventsNAICS 7113 | 2 | 2.6% | |
| 4 | Sporting Goods, Hobby, and Musical Instrument StoresNAICS 4511 | 1 | 1.3% |
Approval sizes
- $50,000 or less5.3%4
- $50,001 to $150,0003.9%3
- $150,001 to $350,0005.3%4
- $350,001 to $1 million61.8%47
- $1 million to $2 million18.4%14
- Over $2 million5.3%4
Age of the businesses
- Existing, more than 2 years old9.2%7
- New business, 2 years or less7.9%6
- Startup, loan funds will open the business81.6%62
- Change of ownership1.3%1
Questions and answers
How many SBA loans go to D-Bat franchises?
142 approvals since FY2011, worth $114M; 76 in FY2021 to FY2025.
Which lenders make SBA loans for D-Bat franchises?
By approvals in FY2021 to FY2025: KeyBank National Association (30), Wells Fargo Bank National Association (8), Georgia Banking Company (4), First Internet Bank of Indiana (3), Beacon Bank and Trust (2).
How large is a typical SBA loan for a D-Bat franchise?
The average approval in FY2021 to FY2025 was $805K.
What share of D-Bat SBA loans are charged off?
Of 57 disbursed loans approved in FY2010 to FY2021, 4 (7.0%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to D-Bat franchises rising?
Approvals in the three latest complete fiscal years total 47, against 42 in the three before: rising (+12%).
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