Franchise brands › The Junkluggers
Franchise brand67 approvals since FY2013
SBA loans to The Junkluggers 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 67 loan approvals since FY2013 under the The Junkluggers franchise brand, worth $12.5M; 48 of them came in FY2021 to FY2025.
In FY2025 there were 11. The average approval in the five-year window was $199K, and 3 of the approvals were 504 loans.
13 lenders made the FY2021 to FY2025 loans across 16 states; the most active were United Midwest Savings Bank National Association (18), The Huntington National Bank (17) and ESL FCU (3).
Of loans approved in FY2010 to FY2021 and disbursed, SBA records 15.2% 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* | 6 | $1.3M | $221K | 0 | 27 |
| FY2025 | 11 | $2.6M | $240K | 1 | 63 |
| FY2024 | 1 | — | — | 0 | 11 |
| FY2023 | 2 | — | — | 1 | 13 |
| FY2022 | 11 | $1.4M | $131K | 0 | 76 |
| FY2021 | 23 | $3.9M | $169K | 1 | 121 |
| FY2020 | 1 | — | — | 0 | 9 |
| FY2019 | 2 | — | — | 0 | 8 |
| FY2018 | 3 | $461K | $154K | 0 | 10 |
| FY2017 | 3 | $225K | $75K | 0 | 14 |
| FY2016 | 3 | $435K | $145K | 0 | 19 |
SBA's franchise field lists the brand as "THE JUNKLUGGERS"; "The Junkluggers". Codes SBA has used for the same brand name are added together.
Charge-off cohort rate
| Loans approved FY2010–FY2021 | The Junkluggers | All SBA loans |
|---|---|---|
| Approvals in these years | 36 | 725,496 |
| Cancelled or never disbursed | 3 | 91,827 |
| Disbursed loans | 33 | 633,669 |
| Paid in full | 16 | 471,304 |
| Charged off | 5 | 37,796 |
| Still outstanding (status exempt from disclosure) | 12 | 124,569 |
| Charged off, share of disbursed loans | 15.2% | 6.0% |
| Dollars charged off, share of disbursed dollars | 13.8% | 2.2% |
| Dollars charged off | $671K | $6.20bn |
Lenders
| # | Lender, FY2021–FY2025 | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | United Midwest Savings Bank National AssociationDe Graff, OH | 18 | $3.0M | 37.5% | |
| 2 | The Huntington National BankColumbus, OH | 17 | $2.5M | 35.4% | |
| 3 | ESL FCURochester, NY | 3 | $204K | 6.3% | |
| 4 | Empire State Certified Development CorporationLatham, NY · CDC | 1 | — | 2.1% | |
| 5 | Regions BankBirmingham, AL | 1 | — | 2.1% | |
| 6 | Beacon Bank and TrustBrookline, MA | 1 | — | 2.1% | |
| 7 | The Bancorp Bank National AssociationSioux Falls, SD | 1 | — | 2.1% | |
| 8 | Business Expansion Funding CorporationCharlotte, NC · CDC | 1 | — | 2.1% | |
| 9 | Bank of Central FloridaLakeland, FL | 1 | — | 2.1% | |
| 10 | 504 Capital CorporationChesapeake, VA · CDC | 1 | — | 2.1% | |
| 11 | First Commonwealth BankIndiana, PA | 1 | — | 2.1% | |
| 12 | BayFirst National BankSaint Petersburg, FL | 1 | — | 2.1% | |
| 13 | 21st Century BankLoretto, MN | 1 | — | 2.1% |
States
| # | State of the business, FY2021–FY2025 | Approvals | Share | |
|---|---|---|---|---|
| 1 | California | 9 | 18.8% | |
| 2 | Texas | 6 | 12.5% | |
| 3 | New York | 5 | 10.4% | |
| 4 | Michigan | 5 | 10.4% | |
| 5 | Florida | 4 | 8.3% | |
| 6 | North Carolina | 4 | 8.3% | |
| 7 | Illinois | 4 | 8.3% | |
| 8 | Oregon | 2 | 4.2% | |
| 9 | Ohio | 2 | 4.2% | |
| 10 | Georgia | 1 | 2.1% | |
| 11 | Kentucky | 1 | 2.1% | |
| 12 | Virginia | 1 | 2.1% | |
| 13 | Idaho | 1 | 2.1% | |
| 14 | South Carolina | 1 | 2.1% | |
| 15 | Massachusetts | 1 | 2.1% |
Filed under
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Waste CollectionNAICS 5621 | 32 | 66.7% | |
| 2 | Remediation and Other Waste Management ServicesNAICS 5629 | 5 | 10.4% | |
| 3 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 4 | 8.3% | |
| 4 | Specialized Freight TruckingNAICS 4842 | 2 | 4.2% | |
| 5 | Used Merchandise RetailersNAICS 4595 | 2 | 4.2% |
Approval sizes
- $50,000 or less22.9%11
- $50,001 to $150,00039.6%19
- $150,001 to $350,00031.3%15
- $350,001 to $1 million6.3%3
Age of the businesses
- Existing, more than 2 years old10.4%5
- New business, 2 years or less4.2%2
- Startup, loan funds will open the business83.3%40
- Change of ownership2.1%1
Questions and answers
How many SBA loans go to The Junkluggers franchises?
67 approvals since FY2013, worth $12.5M; 48 in FY2021 to FY2025.
Which lenders make SBA loans for The Junkluggers franchises?
By approvals in FY2021 to FY2025: United Midwest Savings Bank National Association (18), The Huntington National Bank (17), ESL FCU (3), Empire State Certified Development Corporation (1), Regions Bank (1).
How large is a typical SBA loan for a The Junkluggers franchise?
The average approval in FY2021 to FY2025 was $199K.
What share of The Junkluggers SBA loans are charged off?
Of 33 disbursed loans approved in FY2010 to FY2021, 5 (15.2%) are recorded as charged off; for all SBA loans from those years the figure is 6.0%.
Are SBA loans to The Junkluggers franchises rising?
Approvals in the three latest complete fiscal years total 14, against 35 in the three before: falling (-60%).
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