Franchise brands › Scenthound
Franchise brand104 approvals since FY2020
SBA loans to Scenthound 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 104 loan approvals since FY2020 under the Scenthound franchise brand, worth $35.7M; 88 of them came in FY2021 to FY2025.
In FY2025 there were 24, down 8% on FY2024. The average approval in the five-year window was $329K.
25 lenders made the FY2021 to FY2025 loans across 19 states; the most active were The Huntington National Bank (30), United Community Bank (9) and ConnectOne Bank (8).
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* | 15 | $6.5M | $432K | 0 | 140 |
| FY2025 | 24 | $9.4M | $392K | 0 | 311 |
| FY2024 | 26 | $8.6M | $333K | 0 | 254 |
| FY2023 | 23 | $7.0M | $306K | 0 | 355 |
| FY2022 | 9 | $2.0M | $223K | 0 | 91 |
| FY2021 | 6 | $1.8M | $307K | 0 | 78 |
| FY2020 | 1 | — | — | 0 | 6 |
| FY2019 | 0 | — | — | 0 | 0 |
| FY2018 | 0 | — | — | 0 | 0 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "Scenthound". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Scenthound | All SBA loans |
|---|---|---|
| Approvals in these years | 7 | 725,496 |
| Cancelled or never disbursed | 2 | 91,827 |
| Disbursed loans | 5 | 633,669 |
| Paid in full | 1 | 471,304 |
| Charged off | 0 | 37,796 |
| Still outstanding (status exempt from disclosure) | 4 | 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 | The Huntington National BankColumbus, OH | 30 | $7.8M | 34.1% | |
| 2 | United Community BankGreenville, SC | 9 | $3.2M | 10.2% | |
| 3 | ConnectOne BankEnglewood Cliffs, NJ | 8 | $3.7M | 9.1% | |
| 4 | First Bank of the LakeOsage Beach, MO | 8 | $2.8M | 9.1% | |
| 5 | Citizens BankElizabethton, TN | 8 | $2.6M | 9.1% | |
| 6 | Coastal States BankHilton Head Island, SC | 2 | — | 2.3% | |
| 7 | 22nd State Bank, A Division of 22nd State Banking CompanyMobile, AL | 2 | — | 2.3% | |
| 8 | The Bancorp Bank National AssociationSioux Falls, SD | 2 | — | 2.3% | |
| 9 | SouthState Bank, National AssociationWinter Haven, FL | 2 | — | 2.3% | |
| 10 | INTRUST Bank National AssociationWichita, KS | 2 | — | 2.3% | |
| 11 | St. Louis BankSt. Louis, MO | 1 | — | 1.1% | |
| 12 | Beacon Bank and TrustBrookline, MA | 1 | — | 1.1% | |
| 13 | FWBankChicago, IL | 1 | — | 1.1% | |
| 14 | Byline BankChicago, IL | 1 | — | 1.1% | |
| 15 | Five Star BankRancho Cordova, CA | 1 | — | 1.1% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Florida | 20 | 22.7% | |
| 2 | Georgia | 10 | 11.4% | |
| 3 | Colorado | 10 | 11.4% | |
| 4 | Texas | 8 | 9.1% | |
| 5 | Kansas | 5 | 5.7% | |
| 6 | California | 5 | 5.7% | |
| 7 | South Carolina | 4 | 4.5% | |
| 8 | Oklahoma | 4 | 4.5% | |
| 9 | Illinois | 3 | 3.4% | |
| 10 | Minnesota | 3 | 3.4% | |
| 11 | Pennsylvania | 2 | 2.3% | |
| 12 | Tennessee | 2 | 2.3% | |
| 13 | Alabama | 2 | 2.3% | |
| 14 | North Carolina | 2 | 2.3% | |
| 15 | Indiana | 2 | 2.3% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Personal ServicesNAICS 8129 | 84 | 95.5% | |
| 2 | Other Miscellaneous RetailersNAICS 4599 | 2 | 2.3% | |
| 3 | Other Miscellaneous Store RetailersNAICS 4539 | 1 | 1.1% | |
| 4 | Management of Companies and EnterprisesNAICS 5511 | 1 | 1.1% |
Approval sizes
- $50,000 or less15.9%14
- $50,001 to $150,0003.4%3
- $150,001 to $350,00028.4%25
- $350,001 to $1 million52.3%46
Age of the businesses
- Existing, more than 2 years old3.4%3
- New business, 2 years or less10.2%9
- Startup, loan funds will open the business85.2%75
- Change of ownership1.1%1
Questions and answers
How many SBA loans go to Scenthound franchises?
104 approvals since FY2020, worth $35.7M; 88 in FY2021 to FY2025.
Which lenders make SBA loans for Scenthound franchises?
By approvals in FY2021 to FY2025: The Huntington National Bank (30), United Community Bank (9), ConnectOne Bank (8), First Bank of the Lake (8), Citizens Bank (8).
How large is a typical SBA loan for a Scenthound franchise?
The average approval in FY2021 to FY2025 was $329K.
What share of Scenthound 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 Scenthound franchises rising?
Approvals in the three latest complete fiscal years total 73, against 16 in the three before: rising (+356%).
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