SBA 7(a) FOIA data · borrowers in Denver, CO · FY1992 to FY2025 · as of December 31, 2025
Franchise opportunities in Denver, Colorado: what SBA lenders financed
SBA lenders have made 410 7(a) loans to franchise businesses in Denver since 1992, $224.3M in all, across 270 franchise systems and 101 lenders. Of the loans that have been resolved, 15.9% were charged off, 0.1 points below the national franchise rate of 16.0%. This is what the loan record says about which brands got financed here and how it went. It is not a list of territories for sale; we hold no availability data for any brand.
Headline numbers
- Franchise loans
- 410
- since FY1992
- Approved
- $224.3M
- gross loan amounts
- Charge-off rate
- 15.9%
- 295 resolved loans; national 16.0%
- Systems financed
- 270
- 101 lenders
Franchise systems financed in Denver
The twenty systems with the most SBA loans to Denver borrowers. The verdict grade is the brand's national grade on this site, an editorial assessment and not investment advice. “Locations on file” counts current franchisee locations we hold anywhere in Colorado: presence, not availability.
| System | Loans here | Charge-off here | Approved | Verdict | Locations on file, CO |
|---|---|---|---|---|---|
| Papa Murphy's | 8 | limited data | $1.7M | B: Second tier | 21 |
| Anytime Fitness | 7 | limited data | $3.6M | B: Second tier | 41 |
| Quiznos | 7 | limited data | $909K | F: Weakest tier | 4 |
| Big O Tires | 6 | limited data | $3.8M | A: Strongest tier | 2 |
| Dairy Queen | 6 | limited data | $2.9M | A: Strongest tier | 1 |
| The Goddard School | 5 | limited data | $11.6M | A: Strongest tier | not on file |
| Jimmy John's | 5 | limited data | $1.2M | A: Strongest tier | 106 |
| Mail Boxes Etc. USA | 5 | limited data | $902K | A: Strongest tier | 101 |
| European Wax Center | 4 | limited data | $2.6M | A: Strongest tier | 22 |
| Marco's Pizza | 4 | limited data | $5.0M | A: Strongest tier | 3 |
| Orange Theory Fitness | 4 | limited data | $4.1M | A: Strongest tier | not on file |
| Subway Sandwich Shop | 4 | limited data | $2.6M | B: Second tier | 311 |
| The UPS Store | 4 | limited data | $616K | A: Strongest tier | 101 |
| Wingstop Restaurant | 4 | limited data | $1.3M | A: Strongest tier | not on file |
| Ace Hardware | 3 | limited data | $1.2M | A: Strongest tier | not on file |
| Alphagraphics, Printshops Of T | 3 | limited data | $941K | C: Middle tier | not on file |
| Goosehead Insurance | 3 | limited data | $3.4M | C: Middle tier | 8 |
| Grease Monkey | 3 | limited data | $1.6M | B: Second tier | not on file |
| Hand And Stone | 3 | limited data | $1.7M | B: Second tier | 20 |
| Koala Insulation | 3 | limited data | $645K | D: Fourth tier | 4 |
Lenders most active in Denver
Where a franchise buyer in Denver has historically found a 7(a) lender. A lender's local rate reflects which systems it funded here as much as its underwriting.
| Lender | Loans here | Charge-off here | Approved |
|---|---|---|---|
| Wells Fargo Bank National Association | 47 | 15.9% | $20.5M |
| The Huntington National Bank | 38 | limited data | $12.7M |
| Readycap Lending, LLC | 25 | 41.7% | $10.9M |
| JPMorgan Chase Bank, National Association | 19 | 12.5% | $5.2M |
| Stearns Bank National Association | 18 | 17.6% | $8.3M |
| U.S. Bank, National Association | 17 | 11.8% | $6.3M |
| United Midwest Savings Bank National Association | 16 | limited data | $2.2M |
| KeyBank National Association | 12 | limited data | $10.7M |
| Celtic Bank Corporation | 11 | limited data | $10.8M |
| Zions Bank, A Division of | 10 | limited data | $2.0M |
| PNC Bank, National Association | 9 | limited data | $7.2M |
| Live Oak Banking Company | 8 | limited data | $9.3M |
Franchise loans approved per year
Approvals by SBA fiscal year, the last decade. A quiet year is a quiet year for new lending, not for the businesses already running.
- FY201512
- FY201627
- FY201728
- FY201823
- FY201922
- FY202019
- FY202121
- FY202225
- FY202327
- FY202418
- FY202518
Reading this page
- Does a loan in Denver mean a franchise is available in Denver?
- No. A loan shows that a franchisee opened or bought a unit in Denver and financed it with an SBA 7(a) loan. Whether a territory near you is open now is known only to the franchisor, so ask before you rely on it. FranchiseVerdict holds no territory-availability data for any brand.
- What does the charge-off rate on this page measure?
- Loans that were charged off divided by loans that were resolved, meaning paid in full or charged off. Loans still open count in neither. It is a loan outcome, not a unit failure rate and not a measure of profit, and it is an editorial reading of SBA's data, not investment advice.
- Why does the table say "limited data" for some systems in Denver?
- A rate is printed only where at least ten loans in the city have been resolved. Below that, one loan moves the number by ten points or more, so the table says limited data instead of a figure that would not survive the next loan.
- Which of these brands already operate in Colorado?
- FranchiseVerdict holds current franchisee location records in Colorado for 14 of the 20 systems on this page that have a brand page. That is evidence a brand runs units in the state today; a brand with none on file may still operate there, because owner-record coverage is partial.
Talk to franchise owners in Colorado
The loan record says how financing went; an owner says how the business goes. FranchiseVerdict sells verified franchisee contact lists filtered by state, $49 per brand, for personal due diligence only, not telemarketing or automated calls. We hold Colorado owner records for 14 of the 20 systems above that have a brand page.
Get owner contacts — $49/brand