FranchiseRanked

A&W

Restaurants & FoodSBA loans FY2021–FY2025

12

SBA Loans

$12.4M

Total Financed

$1.0M

Avg Loan Size

—

YoY Loan Growth

How A&W Compares

  • Ranks #182 of 1,075 Restaurants & Food brands by SBA loan count (#776 of 3,543 overall).
  • Its average loan of $1.0M is 146% above the Restaurants & Food median of $419K.
  • With only 12 loans on record, its own charge-off rate isn't statistically meaningful -- for context, Restaurants & Food brands overall see a 1.3% charge-off rate across 11,372 loans.

SBA Loan Activity by Fiscal Year

Fiscal YearLoansTotal Financed
FY20215$6.0M
FY20223$1.7M
FY20232$2.3M
FY20252$2.3M

FY2025 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.

Where A&W Is Getting SBA-Financed

Michigan3 loans · $1.9MIowa2 loans · $2.9MMinnesota2 loans · $2.3MWisconsin1 loan · $1.0MArkansas1 loan · $479KKansas1 loan · $1.4MColorado1 loan · $1.6MSouth Carolina1 loan · $845K

Recent SBA-Financed A&W Locations

Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.

151 Restaurant LLCDARLINGTON, SC
$845,0002025-02-19
JBB Properties, LLCJEFFERSON, IA
$1,500,0002025-01-15
SM Property Group LLCGarden City, MI
$700,0002023-09-27
Umu Onoh Inc.Eaton, CO
$1,600,0002023-09-21
Nisswa A & WBRAINERD, MN
$162,8002022-03-30
Gurkirpa Real Estate Investment Group LLCELLIS, KS
$1,350,5002022-03-15
Kaufman Smith Enterprise, LLCMENOMINEE, MI
$232,5002021-11-16
AW Garden City IncGARDEN CITY, MI
$993,0002021-09-29
HL Pit Stop L.L.C.Howard Lake, MN
$2,091,0002021-06-17
LONE DEVELOPMENT LLCHOT SPRINGS, AR
$479,0002021-06-10
Victual Inc.Boscobel, WI
$1,027,0002020-12-04
Fuel Express Food Mart Inc.Dubuque, IA
$1,410,0002020-11-19

Frequently Asked Questions

Is A&W growing or shrinking?

A&W doesn't have enough SBA loan activity in both FY2024 and FY2025 to calculate a reliable year-over-year trend. For context, it ranks #182 of 1,075 Restaurants & Food brands by total SBA loan count since FY2020 -- a snapshot of scale, if not of trend.

How much does it cost to open a A&W franchise?

We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $1.0M (146% above the typical Restaurants & Food brand's $419K) is a rough proxy, but SBA loans often cover only part of total investment.

What's the SBA loan default rate for A&W?

A&W only has 12 SBA loans on record -- too few to calculate a meaningful charge-off rate on its own. For context, Restaurants & Food brands overall see a 1.3% charge-off rate across 11,372 loans.

Explore More

More Restaurants & Food brands Most financed franchises

Top SBA Lenders

  • Hometown Bank1
  • Clare Bank, National Association1
  • Evolve Bank and Trust1
  • Harvest Bank1
  • First Internet Bank of Indiana1
Planning to finance a restaurants & food purchase?

Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.

Source: SBA 7(a) FOIA loan dataset. View dataset