Franchise brands › Kitchen Tune Up
Franchise brand62 approvals since FY2018
SBA loans to Kitchen Tune Up 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 62 loan approvals since FY2018 under the Kitchen Tune Up franchise brand, worth $10.8M; 37 of them came in FY2021 to FY2025.
In FY2025 there were 9. The average approval in the five-year window was $185K.
8 lenders made the FY2021 to FY2025 loans across 21 states; the most active were United Midwest Savings Bank National Association (27), BayFirst National Bank (3) and The Huntington National Bank (2).
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* | 4 | $700K | $175K | 0 | 22 |
| FY2025 | 9 | $1.3M | $147K | 0 | 40 |
| FY2024 | 5 | $850K | $170K | 0 | 20 |
| FY2023 | 9 | $2.0M | $217K | 0 | 66 |
| FY2022 | 6 | $900K | $150K | 0 | 28 |
| FY2021 | 8 | $1.8M | $226K | 0 | 38 |
| FY2020 | 11 | $2.1M | $187K | 0 | 50 |
| FY2019 | 9 | $1.1M | $122K | 1 | 85 |
| FY2018 | 1 | — | — | 0 | 5 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "Kitchen Tune Up". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Kitchen Tune Up | All SBA loans |
|---|---|---|
| Approvals in these years | 29 | 725,496 |
| Cancelled or never disbursed | 0 | 91,827 |
| Disbursed loans | 29 | 633,669 |
| Paid in full | 7 | 471,304 |
| Charged off | 4 | 37,796 |
| Still outstanding (status exempt from disclosure) | 18 | 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 | United Midwest Savings Bank National AssociationDe Graff, OH | 27 | $4.2M | 73.0% | |
| 2 | BayFirst National BankSaint Petersburg, FL | 3 | $449K | 8.1% | |
| 3 | The Huntington National BankColumbus, OH | 2 | — | 5.4% | |
| 4 | First BankSouthern Pines, NC | 1 | — | 2.7% | |
| 5 | Citizens BankElizabethton, TN | 1 | — | 2.7% | |
| 6 | The Bancorp Bank National AssociationSioux Falls, SD | 1 | — | 2.7% | |
| 7 | SouthState Bank, National AssociationWinter Haven, FL | 1 | — | 2.7% | |
| 8 | Stearns Bank National AssociationSaint Cloud, MN | 1 | — | 2.7% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Texas | 5 | 13.5% | |
| 2 | California | 3 | 8.1% | |
| 3 | Arizona | 3 | 8.1% | |
| 4 | New Jersey | 3 | 8.1% | |
| 5 | Kansas | 2 | 5.4% | |
| 6 | Virginia | 2 | 5.4% | |
| 7 | Florida | 2 | 5.4% | |
| 8 | Georgia | 2 | 5.4% | |
| 9 | Oklahoma | 2 | 5.4% | |
| 10 | Pennsylvania | 2 | 5.4% | |
| 11 | Washington | 1 | 2.7% | |
| 12 | Utah | 1 | 2.7% | |
| 13 | Nebraska | 1 | 2.7% | |
| 14 | New York | 1 | 2.7% | |
| 15 | Minnesota | 1 | 2.7% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Residential Building ConstructionNAICS 2361 | 31 | 83.8% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 10.8% | |
| 3 | Personal and Household Goods Repair and MaintenanceNAICS 8114 | 1 | 2.7% | |
| 4 | Household and Institutional Furniture and Kitchen Cabinet ManufacturingNAICS 3371 | 1 | 2.7% |
Approval sizes
- $50,000 or less2.7%1
- $50,001 to $150,00081.1%30
- $150,001 to $350,0008.1%3
- $350,001 to $1 million8.1%3
Age of the businesses
- Existing, more than 2 years old18.9%7
- Startup, loan funds will open the business73.0%27
- Change of ownership8.1%3
Questions and answers
How many SBA loans go to Kitchen Tune Up franchises?
62 approvals since FY2018, worth $10.8M; 37 in FY2021 to FY2025.
Which lenders make SBA loans for Kitchen Tune Up franchises?
By approvals in FY2021 to FY2025: United Midwest Savings Bank National Association (27), BayFirst National Bank (3), The Huntington National Bank (2), First Bank (1), Citizens Bank (1).
How large is a typical SBA loan for a Kitchen Tune Up franchise?
The average approval in FY2021 to FY2025 was $185K.
What share of Kitchen Tune Up 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 Kitchen Tune Up franchises rising?
Approvals in the three latest complete fiscal years total 23, against 25 in the three before: broadly level (-8%).
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