Franchise brands › Great Harvest Bread Co.
Franchise brand99 approvals since FY2010
SBA loans to Great Harvest Bread Co. 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 99 loan approvals since FY2010 under the Great Harvest Bread Co. franchise brand, worth $32.2M; 23 of them came in FY2021 to FY2025.
In FY2025 there were 5. The average approval in the five-year window was $409K.
18 lenders made the FY2021 to FY2025 loans across 15 states; the most active were The Huntington National Bank (4), Manufacturers and Traders Trust Company (2) and Regions Bank (2).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 17.1% 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* | 1 | — | — | 0 | 13 |
| FY2025 | 5 | $2.7M | $535K | 0 | 65 |
| FY2024 | 2 | — | — | 0 | 28 |
| FY2023 | 7 | $2.5M | $351K | 0 | 150 |
| FY2022 | 5 | $1.5M | $304K | 0 | 152 |
| FY2021 | 4 | $1.8M | $450K | 0 | 71 |
| FY2020 | 2 | — | — | 0 | 31 |
| FY2019 | 7 | $7.2M | $1.0M | 0 | 136 |
| FY2018 | 12 | $2.4M | $201K | 0 | 173 |
| FY2017 | 5 | $1.5M | $297K | 0 | 86 |
| FY2016 | 4 | $1.4M | $356K | 0 | 78 |
SBA's franchise field lists the brand as "GREAT HARVEST BREAD CO."; "Great Harvest Bread Co.". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Great Harvest Bread Co. | All SBA loans |
|---|---|---|
| Approvals in these years | 79 | 725,496 |
| Cancelled or never disbursed | 3 | 91,827 |
| Disbursed loans | 76 | 633,669 |
| Paid in full | 58 | 471,304 |
| Charged off | 13 | 37,796 |
| Still outstanding (status exempt from disclosure) | 5 | 124,569 |
| Charged off, share of disbursed loans | 17.1% | 6.0% |
| Dollars charged off, share of disbursed dollars | 7.5% | 2.2% |
| Dollars charged off | $1.8M | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 4 | $1.5M | 17.4% | |
| 2 | Manufacturers and Traders Trust CompanyBuffalo, NY | 2 | — | 8.7% | |
| 3 | Regions BankBirmingham, AL | 2 | — | 8.7% | |
| 4 | Gulf Coast Bank and Trust CompanyNew Orleans, LA | 1 | — | 4.3% | |
| 5 | Idaho Central CUChubbuck, ID | 1 | — | 4.3% | |
| 6 | Alaska Growth Capital BIDCO, Inc.Anchorage, AK | 1 | — | 4.3% | |
| 7 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 4.3% | |
| 8 | Idaho Trust BankBoise, ID | 1 | — | 4.3% | |
| 9 | First Internet Bank of IndianaFishers, IN | 1 | — | 4.3% | |
| 10 | Altana Federal Credit UnionBillings, MT | 1 | — | 4.3% | |
| 11 | Lake Forest Bank & Trust Company, National AssociationLake Forest, IL | 1 | — | 4.3% | |
| 12 | Centier BankWhiting, IN | 1 | — | 4.3% | |
| 13 | Redemption BankSalt Lake City, UT | 1 | — | 4.3% | |
| 14 | Pinnacle BankNashville, TN | 1 | — | 4.3% | |
| 15 | First Security BankSearcy, AR | 1 | — | 4.3% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Texas | 4 | 17.4% | |
| 2 | South Carolina | 3 | 13.0% | |
| 3 | Idaho | 2 | 8.7% | |
| 4 | Wisconsin | 2 | 8.7% | |
| 5 | Maryland | 2 | 8.7% | |
| 6 | Alaska | 1 | 4.3% | |
| 7 | Alabama | 1 | 4.3% | |
| 8 | California | 1 | 4.3% | |
| 9 | Montana | 1 | 4.3% | |
| 10 | Illinois | 1 | 4.3% | |
| 11 | Indiana | 1 | 4.3% | |
| 12 | Utah | 1 | 4.3% | |
| 13 | Arkansas | 1 | 4.3% | |
| 14 | Minnesota | 1 | 4.3% | |
| 15 | Colorado | 1 | 4.3% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Specialty Food StoresNAICS 4452 | 10 | 43.5% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 30.4% | |
| 3 | Bakeries and Tortilla ManufacturingNAICS 3118 | 6 | 26.1% |
Approval sizes
- $50,000 or less17.4%4
- $150,001 to $350,00034.8%8
- $350,001 to $1 million47.8%11
Age of the businesses
- Existing, more than 2 years old13.0%3
- New business, 2 years or less26.1%6
- Startup, loan funds will open the business43.5%10
- Change of ownership17.4%4
Questions and answers
How many SBA loans go to Great Harvest Bread Co. franchises?
99 approvals since FY2010, worth $32.2M; 23 in FY2021 to FY2025.
Which lenders make SBA loans for Great Harvest Bread Co. franchises?
By approvals in FY2021 to FY2025: The Huntington National Bank (4), Manufacturers and Traders Trust Company (2), Regions Bank (2), Gulf Coast Bank and Trust Company (1), Idaho Central CU (1).
How large is a typical SBA loan for a Great Harvest Bread Co. franchise?
The average approval in FY2021 to FY2025 was $409K.
What share of Great Harvest Bread Co. SBA loans are charged off?
Of 76 disbursed loans approved in FY2010 to FY2021, 13 (17.1%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to Great Harvest Bread Co. franchises rising?
Approvals in the three latest complete fiscal years total 14, against 11 in the three before: rising (+27%).
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