Franchise brands › Superior Fence & Rail
Franchise brand59 approvals since FY2019
SBA loans to Superior Fence & Rail 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.
Since FY2019, 59 SBA loan approvals worth $16.6M carry the Superior Fence & Rail franchise code, 51 of them in FY2021 to FY2025.
In FY2025 there were 8. The average approval in the five-year window was $259K, and 1 of the approvals were 504 loans.
18 lenders made the FY2021 to FY2025 loans across 20 states; the most active were The Huntington National Bank (21), United Midwest Savings Bank National Association (8) and Readycap Lending, LLC (3).
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 | $2.7M | $680K | 0 | 34 |
| FY2025 | 8 | $2.7M | $339K | 1 | 87 |
| FY2024 | 5 | $2.5M | $496K | 0 | 39 |
| FY2023 | 18 | $4.3M | $240K | 0 | 190 |
| FY2022 | 10 | $2.1M | $213K | 0 | 82 |
| FY2021 | 10 | $1.6M | $157K | 0 | 59 |
| FY2020 | 2 | — | — | 0 | 13 |
| FY2019 | 2 | — | — | 0 | 14 |
| FY2018 | 0 | — | — | 0 | 0 |
| FY2017 | 0 | — | — | 0 | 0 |
| FY2016 | 0 | — | — | 0 | 0 |
SBA's franchise field lists the brand as "Superior Fence & Rail". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | Superior Fence & Rail | All SBA loans |
|---|---|---|
| Approvals in these years | 14 | 725,496 |
| Cancelled or never disbursed | 3 | 91,827 |
| Disbursed loans | 11 | 633,669 |
| Paid in full | 4 | 471,304 |
| Charged off | 0 | 37,796 |
| Still outstanding (status exempt from disclosure) | 7 | 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 | 21 | $3.8M | 41.2% | |
| 2 | United Midwest Savings Bank National AssociationDe Graff, OH | 8 | $1.2M | 15.7% | |
| 3 | Readycap Lending, LLCBerkeley Heights, NJ | 3 | $1.1M | 5.9% | |
| 4 | United Community BankGreenville, SC | 2 | — | 3.9% | |
| 5 | First Bank of the LakeOsage Beach, MO | 2 | — | 3.9% | |
| 6 | Choice Financial GroupFargo, ND | 2 | — | 3.9% | |
| 7 | First National Bank of OmahaOmaha, NE | 2 | — | 3.9% | |
| 8 | Pinnacle BankNashville, TN | 1 | — | 2.0% | |
| 9 | BMO Bank National AssociationChicago, IL | 1 | — | 2.0% | |
| 10 | Twin Cities-Metro Certified Development CompanyVadnais Heights, MN · CDC | 1 | — | 2.0% | |
| 11 | Regent BankTulsa, OK | 1 | — | 2.0% | |
| 12 | Southern Bank and Trust CompanyMount Olive, NC | 1 | — | 2.0% | |
| 13 | Beacon Bank and TrustBrookline, MA | 1 | — | 2.0% | |
| 14 | Colony BankFitzgerald, GA | 1 | — | 2.0% | |
| 15 | The First Bank and Trust CompanyLebanon, VA | 1 | — | 2.0% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | Ohio | 6 | 11.8% | |
| 2 | Texas | 5 | 9.8% | |
| 3 | Minnesota | 4 | 7.8% | |
| 4 | Georgia | 4 | 7.8% | |
| 5 | New York | 4 | 7.8% | |
| 6 | Michigan | 4 | 7.8% | |
| 7 | California | 3 | 5.9% | |
| 8 | Connecticut | 3 | 5.9% | |
| 9 | Virginia | 3 | 5.9% | |
| 10 | North Carolina | 2 | 3.9% | |
| 11 | Florida | 2 | 3.9% | |
| 12 | Pennsylvania | 2 | 3.9% | |
| 13 | Nebraska | 2 | 3.9% | |
| 14 | Maryland | 1 | 2.0% | |
| 15 | Missouri | 1 | 2.0% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Specialty Trade ContractorsNAICS 2389 | 44 | 86.3% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 4 | 7.8% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 1 | 2.0% | |
| 4 | Building Material and Supplies DealersNAICS 4441 | 1 | 2.0% | |
| 5 | Other Wood Product ManufacturingNAICS 3219 | 1 | 2.0% |
Approval sizes
- $50,000 or less21.6%11
- $50,001 to $150,00019.6%10
- $150,001 to $350,00045.1%23
- $350,001 to $1 million11.8%6
- $1 million to $2 million2.0%1
Age of the businesses
- Existing, more than 2 years old13.7%7
- New business, 2 years or less13.7%7
- Startup, loan funds will open the business72.5%37
Questions and answers
How many SBA loans go to Superior Fence & Rail franchises?
59 approvals since FY2019, worth $16.6M; 51 in FY2021 to FY2025.
Which lenders make SBA loans for Superior Fence & Rail franchises?
By approvals in FY2021 to FY2025: The Huntington National Bank (21), United Midwest Savings Bank National Association (8), Readycap Lending, LLC (3), United Community Bank (2), First Bank of the Lake (2).
How large is a typical SBA loan for a Superior Fence & Rail franchise?
The average approval in FY2021 to FY2025 was $259K.
What share of Superior Fence & Rail 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 Superior Fence & Rail franchises rising?
Approvals in the three latest complete fiscal years total 31, against 22 in the three before: rising (+41%).
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