Franchise brands › Pizza Ranch
Franchise brand147 approvals since FY2010
SBA loans to Pizza Ranch 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 147 loan approvals since FY2010 under the Pizza Ranch franchise brand, worth $104M; 29 of them came in FY2021 to FY2025.
In FY2025 there were 4. The average approval in the five-year window was $1.0M, and 14 of the approvals were 504 loans.
15 lenders made the FY2021 to FY2025 loans across 10 states; the most active were First Merchants Bank (4), Iowa Business Growth Company (4) and Dakota Business Finance (4).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 0.9% 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* | 1 | — | — | 0 | 30 |
| FY2025 | 4 | $8.9M | $2.2M | 1 | 187 |
| FY2024 | 6 | $4.7M | $780K | 1 | 193 |
| FY2023 | 4 | $6.5M | $1.6M | 1 | 140 |
| FY2022 | 11 | $8.0M | $727K | 7 | 257 |
| FY2021 | 4 | $2.0M | $498K | 4 | 20 |
| FY2020 | 12 | $10.5M | $877K | 2 | 387 |
| FY2019 | 5 | $5.5M | $1.1M | 1 | 218 |
| FY2018 | 9 | $6.1M | $682K | 4 | 433 |
| FY2017 | 12 | $4.8M | $402K | 7 | 160 |
| FY2016 | 9 | $6.1M | $676K | 6 | 234 |
SBA's franchise field lists the brand as "PIZZA RANCH"; "Pizza Ranch". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Pizza Ranch | All SBA loans |
|---|---|---|
| Approvals in these years | 121 | 725,496 |
| Cancelled or never disbursed | 14 | 91,827 |
| Disbursed loans | 107 | 633,669 |
| Paid in full | 66 | 471,304 |
| Charged off | 1 | 37,796 |
| Still outstanding (status exempt from disclosure) | 40 | 124,569 |
| Charged off, share of disbursed loans | 0.9% | 6.0% |
| Dollars charged off, share of disbursed dollars | 1.1% | 2.2% |
| Dollars charged off | $718K | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | First Merchants BankIndianapolis, IN | 4 | $11.1M | 13.8% | |
| 2 | Iowa Business Growth CompanyJohnston, IA · CDC | 4 | $2.6M | 13.8% | |
| 3 | Dakota Business FinanceSioux Falls, SD · CDC | 4 | $1.4M | 13.8% | |
| 4 | First Bank of the LakeOsage Beach, MO | 3 | $3.1M | 10.3% | |
| 5 | Siouxland Economic Development CorporationSioux City, IA · CDC | 3 | $1.8M | 10.3% | |
| 6 | Community Bank of OelweinOelwein, IA | 2 | — | 6.9% | |
| 7 | Millennium BankDes Plaines, IL | 1 | — | 3.4% | |
| 8 | Nebraska Economic Development CorporationLincoln, NE · CDC | 1 | — | 3.4% | |
| 9 | Twin Cities-Metro Certified Development CompanyVadnais Heights, MN · CDC | 1 | — | 3.4% | |
| 10 | SomerCor 504, Inc.Chicago, IL · CDC | 1 | — | 3.4% | |
| 11 | Iowa State BankAlgona, IA | 1 | — | 3.4% | |
| 12 | Sunflower Bank National AssociationDallas, TX | 1 | — | 3.4% | |
| 13 | The First National Bank in Sioux FallsSioux Falls, SD | 1 | — | 3.4% | |
| 14 | United Bank of IowaIda Grove, IA | 1 | — | 3.4% | |
| 15 | Dacotah BankAberdeen, SD | 1 | — | 3.4% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Iowa | 10 | 34.5% | |
| 2 | South Dakota | 5 | 17.2% | |
| 3 | Kansas | 3 | 10.3% | |
| 4 | Colorado | 2 | 6.9% | |
| 5 | Illinois | 2 | 6.9% | |
| 6 | Nebraska | 2 | 6.9% | |
| 7 | Minnesota | 2 | 6.9% | |
| 8 | Missouri | 1 | 3.4% | |
| 9 | Tennessee | 1 | 3.4% | |
| 10 | Kentucky | 1 | 3.4% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 28 | 96.6% | |
| 2 | Full-Service RestaurantsNAICS 7221 | 1 | 3.4% |
Approval sizes
- $50,000 or less3.4%1
- $50,001 to $150,0006.9%2
- $150,001 to $350,00017.2%5
- $350,001 to $1 million41.4%12
- $1 million to $2 million13.8%4
- Over $2 million17.2%5
Age of the businesses
- Existing, more than 2 years old48.3%14
- New business, 2 years or less10.3%3
- Startup, loan funds will open the business34.5%10
- Change of ownership6.9%2
Questions and answers
How many SBA loans go to Pizza Ranch franchises?
147 approvals since FY2010, worth $104M; 29 in FY2021 to FY2025.
Which lenders make SBA loans for Pizza Ranch franchises?
By approvals in FY2021 to FY2025: First Merchants Bank (4), Iowa Business Growth Company (4), Dakota Business Finance (4), First Bank of the Lake (3), Siouxland Economic Development Corporation (3).
How large is a typical SBA loan for a Pizza Ranch franchise?
The average approval in FY2021 to FY2025 was $1.0M.
What share of Pizza Ranch SBA loans are charged off?
Of 107 disbursed loans approved in FY2010 to FY2021, 1 (0.9%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to Pizza Ranch franchises rising?
Approvals in the three latest complete fiscal years total 14, against 27 in the three before: falling (-48%).
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