Payroll Vault
10
SBA Loans
$1.5M
Total Financed
$145K
Avg Loan Size
—
YoY Loan Growth
How Payroll Vault Compares
- Ranks #50 of 241 Business & Professional Services brands by SBA loan count (#861 of 3,543 overall).
- Its average loan of $145K is 42% below the Business & Professional Services median of $250K.
- With only 10 loans on record, its own charge-off rate isn't statistically meaningful -- for context, Business & Professional Services brands overall see a 2.1% charge-off rate across 2,936 loans.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2020 | 1 | $120K |
| FY2021 | 4 | $700K |
| FY2022 | 2 | $230K |
| FY2024 | 2 | $300K |
| FY2026 | 1 | $100K |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Payroll Vault Is Getting SBA-Financed
Recent SBA-Financed Payroll Vault Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Payroll Vault growing or shrinking?
Payroll Vault doesn't have enough SBA loan activity in both FY2025 and FY2026 to calculate a reliable year-over-year trend. For context, it ranks #50 of 241 Business & Professional Services brands by total SBA loan count since FY2020 -- a snapshot of scale, if not of trend.
How much does it cost to open a Payroll Vault 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 $145K (42% below the typical Business & Professional Services brand's $250K) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for Payroll Vault?
Payroll Vault only has 10 SBA loans on record -- too few to calculate a meaningful charge-off rate on its own. For context, Business & Professional Services brands overall see a 2.1% charge-off rate across 2,936 loans.
Top SBA Lenders
- United Midwest Savings Bank National Association6
- BHCU D/B/A Propell Credit Union1
- InBank1
- Readycap Lending, LLC1
- Centier Bank1
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset