Franchise brands › Success On The Spectrum
Franchise brand87 approvals since FY2020
SBA loans to Success On The Spectrum 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 87 loan approvals since FY2020 under the Success On The Spectrum franchise brand, worth $33.4M; 66 of them came in FY2021 to FY2025.
In FY2025 there were 29, up 53% on FY2024. The average approval in the five-year window was $380K, and 1 of the approvals were 504 loans.
19 lenders made the FY2021 to FY2025 loans across 17 states; the most active were Bank Five Nine (22), The Huntington National Bank (13) and CRF Small Business Loan Company, LLC (9).
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* | 19 | $8.0M | $423K | 0 | 428 |
| FY2025 | 29 | $14.5M | $501K | 1 | 568 |
| FY2024 | 19 | $6.2M | $325K | 0 | 361 |
| FY2023 | 9 | $2.3M | $257K | 0 | 265 |
| FY2022 | 3 | $782K | $261K | 0 | 77 |
| FY2021 | 6 | $1.3M | $215K | 0 | 110 |
| FY2020 | 2 | — | — | 0 | 10 |
| FY2019 | 0 | — | — | 0 | 0 |
| FY2018 | 0 | — | — | 0 | 0 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "Success On The Spectrum". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Success On The Spectrum | All SBA loans |
|---|---|---|
| Approvals in these years | 8 | 725,496 |
| Cancelled or never disbursed | 2 | 91,827 |
| Disbursed loans | 6 | 633,669 |
| Paid in full | 2 | 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 | Bank Five NineOconomowoc, WI | 22 | $10.7M | 33.3% | |
| 2 | The Huntington National BankColumbus, OH | 13 | $2.7M | 19.7% | |
| 3 | CRF Small Business Loan Company, LLCMinneapolis, MN | 9 | $3.8M | 13.6% | |
| 4 | Unity National Bank of HoustonHouston, TX | 6 | $1.6M | 9.1% | |
| 5 | Live Oak Banking CompanyWilmington, NC | 2 | — | 3.0% | |
| 6 | Michigan Certified Development CorporationEast Lansing, MI · CDC | 1 | — | 1.5% | |
| 7 | Milestone BankSalt Lake City, UT | 1 | — | 1.5% | |
| 8 | Simmons BankPine Bluff, AR | 1 | — | 1.5% | |
| 9 | Manufacturers and Traders Trust CompanyBuffalo, NY | 1 | — | 1.5% | |
| 10 | TowneBankPortsmouth, VA | 1 | — | 1.5% | |
| 11 | The Fidelity BankFuquay Varina, NC | 1 | — | 1.5% | |
| 12 | CDC Small Business Finance Corp.San Diego, CA | 1 | — | 1.5% | |
| 13 | Citizens BankElizabethton, TN | 1 | — | 1.5% | |
| 14 | Newtek Bank, National AssociationMiami, FL | 1 | — | 1.5% | |
| 15 | Wilmington Savings Fund Society FSBWilmington, DE | 1 | — | 1.5% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Texas | 17 | 25.8% | |
| 2 | New Jersey | 12 | 18.2% | |
| 3 | Georgia | 8 | 12.1% | |
| 4 | Florida | 6 | 9.1% | |
| 5 | Colorado | 4 | 6.1% | |
| 6 | Pennsylvania | 3 | 4.5% | |
| 7 | Massachusetts | 3 | 4.5% | |
| 8 | North Carolina | 2 | 3.0% | |
| 9 | Arizona | 2 | 3.0% | |
| 10 | Rhode Island | 2 | 3.0% | |
| 11 | Virginia | 1 | 1.5% | |
| 12 | Michigan | 1 | 1.5% | |
| 13 | Mississippi | 1 | 1.5% | |
| 14 | Nevada | 1 | 1.5% | |
| 15 | Minnesota | 1 | 1.5% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Offices of Other Health PractitionersNAICS 6213 | 56 | 84.8% | |
| 2 | Individual and Family ServicesNAICS 6241 | 9 | 13.6% | |
| 3 | Offices of PhysiciansNAICS 6211 | 1 | 1.5% |
Approval sizes
- $50,000 or less9.1%6
- $50,001 to $150,0004.5%3
- $150,001 to $350,00033.3%22
- $350,001 to $1 million51.5%34
- $1 million to $2 million1.5%1
Age of the businesses
- Existing, more than 2 years old1.5%1
- New business, 2 years or less1.5%1
- Startup, loan funds will open the business93.9%62
- Change of ownership3.0%2
Questions and answers
How many SBA loans go to Success On The Spectrum franchises?
87 approvals since FY2020, worth $33.4M; 66 in FY2021 to FY2025.
Which lenders make SBA loans for Success On The Spectrum franchises?
By approvals in FY2021 to FY2025: Bank Five Nine (22), The Huntington National Bank (13), CRF Small Business Loan Company, LLC (9), Unity National Bank of Houston (6), Live Oak Banking Company (2).
How large is a typical SBA loan for a Success On The Spectrum franchise?
The average approval in FY2021 to FY2025 was $380K.
What share of Success On The Spectrum 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 Success On The Spectrum franchises rising?
Approvals in the three latest complete fiscal years total 57, against 11 in the three before: rising (+418%).
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