Franchise brands › Goosehead Insurance
Franchise brand61 approvals since FY2014
SBA loans to Goosehead Insurance 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 FY2014, 61 SBA loan approvals worth $15.1M carry the Goosehead Insurance franchise code, 31 of them in FY2021 to FY2025.
In FY2025 there were 11. The average approval in the five-year window was $342K.
19 lenders made the FY2021 to FY2025 loans across 16 states; the most active were Live Oak Banking Company (5), Capital Bank, National Association (4) and CDC Small Business Finance Corp. (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* | 13 | $3.1M | $242K | 0 | 65 |
| FY2025 | 11 | $5.1M | $466K | 0 | 49 |
| FY2024 | 4 | $1.1M | $275K | 0 | 12 |
| FY2023 | 6 | $1.7M | $290K | 0 | 24 |
| FY2022 | 4 | $2.2M | $538K | 0 | 19 |
| FY2021 | 6 | $480K | $80K | 0 | 10 |
| FY2020 | 2 | — | — | 0 | 5 |
| FY2019 | 7 | $480K | $69K | 0 | 23 |
| FY2018 | 3 | $70K | $23K | 0 | 6 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 1 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "GOOSEHEAD INSURANCE"; "Goosehead Insurance". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Goosehead Insurance | All SBA loans |
|---|---|---|
| Approvals in these years | 23 | 725,496 |
| Cancelled or never disbursed | 1 | 91,827 |
| Disbursed loans | 22 | 633,669 |
| Paid in full | 14 | 471,304 |
| Charged off | 2 | 37,796 |
| Still outstanding (status exempt from disclosure) | 6 | 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 | Live Oak Banking CompanyWilmington, NC | 5 | $5.1M | 16.1% | |
| 2 | Capital Bank, National AssociationRockville, MD | 4 | $1.9M | 12.9% | |
| 3 | CDC Small Business Finance Corp.San Diego, CA | 3 | $265K | 9.7% | |
| 4 | BayFirst National BankSaint Petersburg, FL | 2 | — | 6.5% | |
| 5 | The Central Trust BankJefferson City, MO | 2 | — | 6.5% | |
| 6 | Manufacturers and Traders Trust CompanyBuffalo, NY | 2 | — | 6.5% | |
| 7 | Pinnacle BankNashville, TN | 1 | — | 3.2% | |
| 8 | Enterprise Bank & TrustClayton, MO | 1 | — | 3.2% | |
| 9 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 3.2% | |
| 10 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 3.2% | |
| 11 | Arvest BankFayetteville, AR | 1 | — | 3.2% | |
| 12 | Guaranty BankSpringfield, MO | 1 | — | 3.2% | |
| 13 | Bankwell BankNew Canaan, CT | 1 | — | 3.2% | |
| 14 | Small Business BankLenexa, KS | 1 | — | 3.2% | |
| 15 | The Huntington National BankColumbus, OH | 1 | — | 3.2% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Missouri | 6 | 19.4% | |
| 2 | Texas | 4 | 12.9% | |
| 3 | Colorado | 4 | 12.9% | |
| 4 | North Carolina | 2 | 6.5% | |
| 5 | Florida | 2 | 6.5% | |
| 6 | Georgia | 2 | 6.5% | |
| 7 | New Jersey | 2 | 6.5% | |
| 8 | Arizona | 1 | 3.2% | |
| 9 | South Carolina | 1 | 3.2% | |
| 10 | Pennsylvania | 1 | 3.2% | |
| 11 | Alabama | 1 | 3.2% | |
| 12 | Ohio | 1 | 3.2% | |
| 13 | Maryland | 1 | 3.2% | |
| 14 | Tennessee | 1 | 3.2% | |
| 15 | Mississippi | 1 | 3.2% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 30 | 96.8% | |
| 2 | Insurance CarriersNAICS 5241 | 1 | 3.2% |
Approval sizes
- $50,000 or less12.9%4
- $50,001 to $150,00051.6%16
- $150,001 to $350,0009.7%3
- $350,001 to $1 million19.4%6
- $1 million to $2 million3.2%1
- Over $2 million3.2%1
Age of the businesses
- Existing, more than 2 years old54.8%17
- New business, 2 years or less3.2%1
- Startup, loan funds will open the business32.3%10
- Change of ownership9.7%3
Questions and answers
How many SBA loans go to Goosehead Insurance franchises?
61 approvals since FY2014, worth $15.1M; 31 in FY2021 to FY2025.
Which lenders make SBA loans for Goosehead Insurance franchises?
By approvals in FY2021 to FY2025: Live Oak Banking Company (5), Capital Bank, National Association (4), CDC Small Business Finance Corp. (3), BayFirst National Bank (2), The Central Trust Bank (2).
How large is a typical SBA loan for a Goosehead Insurance franchise?
The average approval in FY2021 to FY2025 was $342K.
What share of Goosehead Insurance 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 Goosehead Insurance franchises rising?
Approvals in the three latest complete fiscal years total 21, against 12 in the three before: rising (+75%).
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