Goodcents
13
SBA Loans
$4.1M
Total Financed
$318K
Avg Loan Size
—
YoY Loan Growth
How Goodcents Compares
- Ranks #161 of 1,075 Restaurants & Food brands by SBA loan count (#713 of 3,543 overall).
- Its average loan of $318K is 24% below the Restaurants & Food median of $419K.
- With only 13 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 Year | Loans | Total Financed |
|---|---|---|
| FY2020 | 2 | $313K |
| FY2021 | 4 | $1.1M |
| FY2022 | 1 | $291K |
| FY2023 | 1 | $350K |
| FY2024 | 1 | $800K |
| FY2025 | 4 | $1.3M |
FY2025 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Goodcents Is Getting SBA-Financed
Recent SBA-Financed Goodcents Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Goodcents growing or shrinking?
Goodcents doesn't have enough SBA loan activity in both FY2024 and FY2025 to calculate a reliable year-over-year trend. For context, it ranks #161 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 Goodcents 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 $318K (24% below 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 Goodcents?
Goodcents only has 13 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.
Top SBA Lenders
- UMB Bank, National Association4
- New Frontier Bank3
- First PREMIER Bank1
- Midwest Regional Bank1
- BankVista1
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset