Franchise brands › HTeaO
Franchise brand92 approvals since FY2019
SBA loans to HTeaO 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 92 loan approvals since FY2019 under the HTeaO franchise brand, worth $87.3M; 64 of them came in FY2021 to FY2025.
In FY2025 there were 27, up 145% on FY2024. The average approval in the five-year window was $1.1M, and 21 of the approvals were 504 loans.
33 lenders made the FY2021 to FY2025 loans across 8 states; the most active were Bank Five Nine (11), BancFirst (5) and The Huntington National Bank (5).
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* | 16 | $10.2M | $637K | 3 | 217 |
| FY2025 | 27 | $37.5M | $1.4M | 8 | 484 |
| FY2024 | 11 | $8.7M | $789K | 3 | 202 |
| FY2023 | 7 | $6.5M | $932K | 3 | 113 |
| FY2022 | 13 | $14.8M | $1.1M | 4 | 251 |
| FY2021 | 6 | $3.2M | $531K | 3 | 104 |
| FY2020 | 10 | $5.3M | $532K | 3 | 207 |
| FY2019 | 2 | — | — | 0 | 44 |
| FY2018 | 0 | — | — | 0 | 0 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "HTeaO". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | HTeaO | All SBA loans |
|---|---|---|
| Approvals in these years | 18 | 725,496 |
| Cancelled or never disbursed | 4 | 91,827 |
| Disbursed loans | 14 | 633,669 |
| Paid in full | 6 | 471,304 |
| Charged off | 0 | 37,796 |
| Still outstanding (status exempt from disclosure) | 8 | 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 | Bank Five NineOconomowoc, WI | 11 | $18.1M | 17.2% | |
| 2 | BancFirstOklahoma City, OK | 5 | $5.9M | 7.8% | |
| 3 | The Huntington National BankColumbus, OH | 5 | $5.4M | 7.8% | |
| 4 | LiftFund, Inc.San Antonio, TX · CDC | 5 | $4.9M | 7.8% | |
| 5 | Amistad BankDel Rio, TX | 4 | $7.7M | 6.3% | |
| 6 | Texas Panhandle Regional Development CorporationAmarillo, TX · CDC | 4 | $3.0M | 6.3% | |
| 7 | Capital Certified Development CorporationAustin, TX · CDC | 2 | — | 3.1% | |
| 8 | Rural Enterprises of Oklahoma, Inc.Durant, OK · CDC | 2 | — | 3.1% | |
| 9 | Frost BankSan Antonio, TX | 2 | — | 3.1% | |
| 10 | Security National Bank of OmahaOmaha, NE | 1 | — | 1.6% | |
| 11 | Truist BankCharlotte, NC | 1 | — | 1.6% | |
| 12 | Happen BankLehi, UT | 1 | — | 1.6% | |
| 13 | SouthWest BankOdessa, TX | 1 | — | 1.6% | |
| 14 | PeopleFundAustin, TX · CDC | 1 | — | 1.6% | |
| 15 | B:Side CapitalDenver, CO · CDC | 1 | — | 1.6% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Texas | 40 | 62.5% | |
| 2 | Oklahoma | 10 | 15.6% | |
| 3 | Arizona | 5 | 7.8% | |
| 4 | Tennessee | 3 | 4.7% | |
| 5 | Florida | 2 | 3.1% | |
| 6 | Missouri | 2 | 3.1% | |
| 7 | Colorado | 1 | 1.6% | |
| 8 | New Mexico | 1 | 1.6% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 60 | 93.8% | |
| 2 | Specialty Food StoresNAICS 4452 | 2 | 3.1% | |
| 3 | Other Food ManufacturingNAICS 3119 | 1 | 1.6% | |
| 4 | Beverage ManufacturingNAICS 3121 | 1 | 1.6% |
Approval sizes
- $50,001 to $150,0006.3%4
- $150,001 to $350,0009.4%6
- $350,001 to $1 million46.9%30
- $1 million to $2 million18.8%12
- Over $2 million18.8%12
Age of the businesses
- Existing, more than 2 years old4.7%3
- New business, 2 years or less6.3%4
- Startup, loan funds will open the business89.1%57
Questions and answers
How many SBA loans go to HTeaO franchises?
92 approvals since FY2019, worth $87.3M; 64 in FY2021 to FY2025.
Which lenders make SBA loans for HTeaO franchises?
By approvals in FY2021 to FY2025: Bank Five Nine (11), BancFirst (5), The Huntington National Bank (5), LiftFund, Inc. (5), Amistad Bank (4).
How large is a typical SBA loan for a HTeaO franchise?
The average approval in FY2021 to FY2025 was $1.1M.
What share of HTeaO 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 HTeaO franchises rising?
Approvals in the three latest complete fiscal years total 45, against 29 in the three before: rising (+55%).
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