Franchise brands › H&R Block
Franchise brand88 approvals since FY2010
SBA loans to H&R Block 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 88 loan approvals since FY2010 under the H&R Block franchise brand, worth $33.4M; 16 of them came in FY2021 to FY2025.
In FY2025 there were 4. The average approval in the five-year window was $321K, and 3 of the approvals were 504 loans.
13 lenders made the FY2021 to FY2025 loans across 12 states; the most active were Frandsen Bank and Trust (2), Readycap Lending, LLC (2) and The Huntington National Bank (2).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 0.0% 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.
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* | 0 | — | — | 0 | 0 |
| FY2025 | 4 | $1.3M | $316K | 0 | 13 |
| FY2024 | 1 | — | — | 0 | 79 |
| FY2023 | 5 | $992K | $198K | 2 | 58 |
| FY2022 | 3 | $1.5M | $489K | 1 | 26 |
| FY2021 | 3 | $1.2M | $411K | 0 | 57 |
| FY2020 | 5 | $1.7M | $333K | 0 | 69 |
| FY2019 | 8 | $6.8M | $850K | 0 | 353 |
| FY2018 | 16 | $4.4M | $274K | 0 | 454 |
| FY2017 | 17 | $5.6M | $332K | 1 | 382 |
| FY2016 | 13 | $5.4M | $419K | 0 | 222 |
SBA's franchise field lists the brand as "H&R BLOCK"; "H & R BLOCK"; "H&R Block - Franchise License Agreement". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | H&R Block | All SBA loans |
|---|---|---|
| Approvals in these years | 75 | 725,496 |
| Cancelled or never disbursed | 8 | 91,827 |
| Disbursed loans | 67 | 633,669 |
| Paid in full | 54 | 471,304 |
| Charged off | 0 | 37,796 |
| Still outstanding (status exempt from disclosure) | 13 | 124,569 |
| Charged off, share of disbursed loans | 0.0% | 6.0% |
| Dollars charged off, share of disbursed dollars | 0.0% | 2.2% |
| Dollars charged off | $0 | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Frandsen Bank and TrustArden Hills, MN | 2 | — | 12.5% | |
| 2 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 12.5% | |
| 3 | The Huntington National BankColumbus, OH | 2 | — | 12.5% | |
| 4 | Midwest Regional BankFestus, MO | 1 | — | 6.3% | |
| 5 | Business Finance CapitalLos Angeles, CA · CDC | 1 | — | 6.3% | |
| 6 | PNC Bank, National AssociationWilmington, DE | 1 | — | 6.3% | |
| 7 | Harvest Small Business Finance, LLCLaguna Hills, CA | 1 | — | 6.3% | |
| 8 | Southland Economic Development CorporationSanta Ana, CA · CDC | 1 | — | 6.3% | |
| 9 | Union Bank and Trust CompanyLincoln, NE | 1 | — | 6.3% | |
| 10 | Waukesha State BankWaukesha, WI | 1 | — | 6.3% | |
| 11 | Southern Development CouncilMountain Brook, AL · CDC | 1 | — | 6.3% | |
| 12 | Bank of Bridger National AssociationBridger, MT | 1 | — | 6.3% | |
| 13 | Ultima Bank MinnesotaWinger, MN | 1 | — | 6.3% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Wisconsin | 3 | 18.8% | |
| 2 | California | 2 | 12.5% | |
| 3 | Pennsylvania | 2 | 12.5% | |
| 4 | Missouri | 1 | 6.3% | |
| 5 | Texas | 1 | 6.3% | |
| 6 | Kansas | 1 | 6.3% | |
| 7 | District of Columbia | 1 | 6.3% | |
| 8 | Alabama | 1 | 6.3% | |
| 9 | Tennessee | 1 | 6.3% | |
| 10 | Michigan | 1 | 6.3% | |
| 11 | Wyoming | 1 | 6.3% | |
| 12 | Minnesota | 1 | 6.3% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 16 | 100.0% |
Approval sizes
- $50,000 or less6.3%1
- $50,001 to $150,00012.5%2
- $150,001 to $350,00043.8%7
- $350,001 to $1 million37.5%6
Age of the businesses
- Existing, more than 2 years old75.0%12
- New business, 2 years or less6.3%1
- Change of ownership18.8%3
Questions and answers
How many SBA loans go to H&R Block franchises?
88 approvals since FY2010, worth $33.4M; 16 in FY2021 to FY2025.
Which lenders make SBA loans for H&R Block franchises?
By approvals in FY2021 to FY2025: Frandsen Bank and Trust (2), Readycap Lending, LLC (2), The Huntington National Bank (2), Midwest Regional Bank (1), Business Finance Capital (1).
How large is a typical SBA loan for a H&R Block franchise?
The average approval in FY2021 to FY2025 was $321K.
What share of H&R Block SBA loans are charged off?
Of 67 disbursed loans approved in FY2010 to FY2021, 0 (0.0%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to H&R Block franchises rising?
Approvals in the three latest complete fiscal years total 10, against 11 in the three before: broadly level (-9%).
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