Franchise brands › Row House
Franchise brand55 approvals since FY2018
SBA loans to Row House 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 55 loan approvals since FY2018 under the Row House franchise brand, worth $17.7M; 9 of them came in FY2021 to FY2025.
In FY2025 there were 0. The average approval in the five-year window was $370K.
6 lenders made the FY2021 to FY2025 loans across 7 states; the most active were United Community Bank (2), The Huntington National Bank (2) and Valley National Bank (2).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 11.9% 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 | 21 |
| FY2025 | 0 | — | — | 0 | 0 |
| FY2024 | 0 | — | — | 0 | 0 |
| FY2023 | 2 | — | — | 0 | 46 |
| FY2022 | 3 | $1.2M | $400K | 0 | 24 |
| FY2021 | 4 | $1.7M | $418K | 0 | 46 |
| FY2020 | 9 | $3.1M | $342K | 0 | 206 |
| FY2019 | 35 | $10.9M | $311K | 0 | 412 |
| FY2018 | 1 | — | — | 0 | 9 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "Row House". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Row House | All SBA loans |
|---|---|---|
| Approvals in these years | 49 | 725,496 |
| Cancelled or never disbursed | 7 | 91,827 |
| Disbursed loans | 42 | 633,669 |
| Paid in full | 26 | 471,304 |
| Charged off | 5 | 37,796 |
| Still outstanding (status exempt from disclosure) | 11 | 124,569 |
| Charged off, share of disbursed loans | 11.9% | 6.0% |
| Dollars charged off, share of disbursed dollars | 7.1% | 2.2% |
| Dollars charged off | $1.0M | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | United Community BankGreenville, SC | 2 | — | 22.2% | |
| 2 | The Huntington National BankColumbus, OH | 2 | — | 22.2% | |
| 3 | Valley National BankPassaic, NJ | 2 | — | 22.2% | |
| 4 | Citizens BankElizabethton, TN | 1 | — | 11.1% | |
| 5 | Southern BankPoplar Bluff, MO | 1 | — | 11.1% | |
| 6 | Telhio Credit Union IncColumbus, OH | 1 | — | 11.1% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Connecticut | 2 | 22.2% | |
| 2 | Florida | 2 | 22.2% | |
| 3 | North Carolina | 1 | 11.1% | |
| 4 | Georgia | 1 | 11.1% | |
| 5 | Texas | 1 | 11.1% | |
| 6 | Missouri | 1 | 11.1% | |
| 7 | Ohio | 1 | 11.1% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Amusement and Recreation IndustriesNAICS 7139 | 9 | 100.0% |
Approval sizes
- $50,001 to $150,00011.1%1
- $150,001 to $350,00055.6%5
- $350,001 to $1 million33.3%3
Age of the businesses
- New business, 2 years or less33.3%3
- Startup, loan funds will open the business66.7%6
Questions and answers
How many SBA loans go to Row House franchises?
55 approvals since FY2018, worth $17.7M; 9 in FY2021 to FY2025.
Which lenders make SBA loans for Row House franchises?
By approvals in FY2021 to FY2025: United Community Bank (2), The Huntington National Bank (2), Valley National Bank (2), Citizens Bank (1), Southern Bank (1).
How large is a typical SBA loan for a Row House franchise?
The average approval in FY2021 to FY2025 was $370K.
What share of Row House SBA loans are charged off?
Of 42 disbursed loans approved in FY2010 to FY2021, 5 (11.9%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to Row House franchises rising?
Approvals in the three latest complete fiscal years total 2, against 16 in the three before: falling (-87%).
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