SBA 7(a) FOIA data · borrowers in Tampa, FL · FY1992 to FY2026 · as of 2025-12-31
Franchise SBA loans in Tampa, Florida
SBA lenders have made 454 7(a) loans to franchise businesses in Tampa since 1992, $239.1M in all, across 300 franchise systems and 108 lenders. Of the loans that have been resolved, 21.8% were charged off, 5.8 points above 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
- 454
- since FY1992
- Approved
- $239.1M
- gross loan amounts
- Charge-off rate
- 21.8%
- 298 resolved loans; national 16.0%
- Systems financed
- 300
- 108 lenders
Franchise systems financed in Tampa
The twenty systems with the most SBA loans to Tampa 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 Florida: presence, not availability.
| System | Loans here | Charge-off here | Approved | Verdict | Locations on file, FL |
|---|---|---|---|---|---|
| Smoothie King | 8 | limited data | $1.2M | B: Above average | 121 |
| Dunkin Donuts | 7 | limited data | $3.6M | A: Strongest tier | not on file |
| Cold Stone Creamery, Inc. | 6 | limited data | $1.8M | C: Average | 8 |
| Quiznos | 6 | limited data | $858K | F: Weakest tier | 10 |
| The UPS Store | 6 | limited data | $1.5M | A: Strongest tier | 558 |
| Mail Boxes Etc. USA | 5 | limited data | $633K | A: Strongest tier | 558 |
| Planet Beach | 5 | limited data | $1.3M | not graded | not on file |
| Sealmaster | 5 | limited data | $7.8M | B: Above average | not on file |
| Tropical Smoothie | 5 | limited data | $1.0M | A: Strongest tier | 260 |
| Ameriprise Financial | 4 | limited data | $2.0M | A: Strongest tier | 145 |
| Edible Arrangements | 4 | limited data | $717K | B: Above average | 60 |
| Fedex Ground | 4 | limited data | $1.0M | not graded | not on file |
| Firehouse Subs | 4 | limited data | $918K | A: Strongest tier | not on file |
| Great Clips | 4 | limited data | $573K | A: Strongest tier | 325 |
| Huntington Learning Center | 4 | limited data | $557K | C: Average | 1 |
| Meineke Car Care | 4 | limited data | $2.3M | C: Average | not on file |
| Moe's SW Grill | 4 | limited data | $1.1M | no brand page | not on file |
| Primrose Schools | 4 | limited data | $9.5M | A: Strongest tier | not on file |
| Subway Sandwich Shop | 4 | limited data | $905K | A: Strongest tier | not on file |
| Zoom Room | 4 | limited data | $703K | B: Above average | 2 |
Lenders most active in Tampa
Where a franchise buyer in Tampa 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 |
|---|---|---|---|
| The Huntington National Bank | 35 | limited data | $8.7M |
| Readycap Lending, LLC | 23 | 22.7% | $7.6M |
| Stearns Bank National Association | 22 | 20.0% | $4.1M |
| United Midwest Savings Bank National Association | 22 | limited data | $3.2M |
| Bank of America, National Association | 16 | 18.8% | $1.7M |
| Bank OZK | 15 | 6.7% | $13.1M |
| Valley National Bank | 15 | limited data | $8.6M |
| Wells Fargo Bank National Association | 15 | 13.3% | $8.1M |
| Popular Bank | 13 | 66.7% | $5.9M |
| Ameris Bank | 10 | limited data | $3.0M |
| BankUnited, National Association | 10 | limited data | $14.0M |
| Comerica Bank | 10 | 60.0% | $4.4M |
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
- FY201628
- FY201712
- FY201833
- FY201922
- FY202020
- FY202135
- FY202235
- FY202328
- FY202419
- FY202517
- FY20261
Reading this page
- Does a loan in Tampa mean a franchise is available in Tampa?
- No. A loan shows that a franchisee opened or bought a unit in Tampa 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 Tampa?
- 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 Florida?
- FranchiseVerdict holds current franchisee location records in Florida for 11 of the 19 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 Florida
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 Florida owner records for 11 of the 19 systems above that have a brand page.
Get owner contacts — $49/brand