Franchise brands › Everline Coatings and Services
Franchise brand98 approvals since FY2022
SBA loans to Everline Coatings and Services 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 FY2022, 98 SBA loan approvals worth $21.8M carry the Everline Coatings and Services franchise code, 91 of them in FY2021 to FY2025.
In FY2025 there were 8, down 65% on FY2024. The average approval in the five-year window was $216K, and 1 of the approvals were 504 loans.
12 lenders made the FY2021 to FY2025 loans across 21 states; the most active were The Huntington National Bank (69), First Bank of the Lake (9) and Isabella Bank (3).
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* | 7 | $2.2M | $312K | 0 | 39 |
| FY2025 | 8 | $2.8M | $353K | 0 | 41 |
| FY2024 | 23 | $5.7M | $248K | 1 | 178 |
| FY2023 | 46 | $9.1M | $198K | 0 | 523 |
| FY2022 | 14 | $2.0M | $144K | 0 | 110 |
| FY2021 | 0 | — | — | 0 | 0 |
| 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 "Everline Coatings and Services". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Everline Coatings and Services | All SBA loans |
|---|---|---|
| Approvals in these years | 0 | 725,496 |
| Cancelled or never disbursed | 0 | 91,827 |
| Disbursed loans | 0 | 633,669 |
| Paid in full | 0 | 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 | 69 | $13.2M | 75.8% | |
| 2 | First Bank of the LakeOsage Beach, MO | 9 | $2.9M | 9.9% | |
| 3 | Isabella BankMount Pleasant, MI | 3 | $555K | 3.3% | |
| 4 | Horizon BankMichigan City, IN | 2 | — | 2.2% | |
| 5 | Magnifi Financial CUMelrose, MN | 1 | — | 1.1% | |
| 6 | First Commonwealth BankIndiana, PA | 1 | — | 1.1% | |
| 7 | Live Oak Banking CompanyWilmington, NC | 1 | — | 1.1% | |
| 8 | CDC Small Business Finance Corp.San Diego, CA | 1 | — | 1.1% | |
| 9 | Leader Bank, National AssociationArlington, MA | 1 | — | 1.1% | |
| 10 | Zions Bank, A Division ofSalt Lake City, UT | 1 | — | 1.1% | |
| 11 | Capital Bank, National AssociationRockville, MD | 1 | — | 1.1% | |
| 12 | New England Certified Development CorporationWakefield, MA · CDC | 1 | — | 1.1% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Texas | 17 | 18.7% | |
| 2 | Ohio | 10 | 11.0% | |
| 3 | New Jersey | 7 | 7.7% | |
| 4 | California | 6 | 6.6% | |
| 5 | Arizona | 6 | 6.6% | |
| 6 | Indiana | 5 | 5.5% | |
| 7 | Michigan | 5 | 5.5% | |
| 8 | Pennsylvania | 5 | 5.5% | |
| 9 | Colorado | 5 | 5.5% | |
| 10 | Oklahoma | 4 | 4.4% | |
| 11 | Georgia | 3 | 3.3% | |
| 12 | Florida | 3 | 3.3% | |
| 13 | New York | 2 | 2.2% | |
| 14 | Maryland | 2 | 2.2% | |
| 15 | Missouri | 2 | 2.2% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Specialty Trade ContractorsNAICS 2389 | 57 | 62.6% | |
| 2 | Building Finishing ContractorsNAICS 2383 | 25 | 27.5% | |
| 3 | Highway, Street, and Bridge ConstructionNAICS 2373 | 5 | 5.5% | |
| 4 | Petroleum and Coal Products ManufacturingNAICS 3241 | 2 | 2.2% | |
| 5 | Coating, Engraving, Heat Treating, and Allied ActivitiesNAICS 3328 | 2 | 2.2% |
Approval sizes
- $50,000 or less39.6%36
- $50,001 to $150,0003.3%3
- $150,001 to $350,00037.4%34
- $350,001 to $1 million19.8%18
Age of the businesses
- Existing, more than 2 years old2.2%2
- New business, 2 years or less4.4%4
- Startup, loan funds will open the business93.4%85
Questions and answers
How many SBA loans go to Everline Coatings and Services franchises?
98 approvals since FY2022, worth $21.8M; 91 in FY2021 to FY2025.
Which lenders make SBA loans for Everline Coatings and Services franchises?
By approvals in FY2021 to FY2025: The Huntington National Bank (69), First Bank of the Lake (9), Isabella Bank (3), Horizon Bank (2), Magnifi Financial CU (1).
How large is a typical SBA loan for a Everline Coatings and Services franchise?
The average approval in FY2021 to FY2025 was $216K.
What share of Everline Coatings and Services 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 Everline Coatings and Services franchises rising?
Approvals in the three latest complete fiscal years total 77, against 14 in the three before: rising (+450%).
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