PeopleFund
Headquartered in Austin, TX. Analysis based on 238 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $36.9M.
Total 7(a) loans
238
Total approved
$36.9M
Average loan
$155K
States funded in
1
Charge-off rate
7.27%
FY2020–FY2023 cohort
Paid-in-full rate
10.91%
Average rate
9.70%
Average term
85 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 713940 | Fitness and Recreational Sports Centers | 15 |
| 624410 | Child Day Care Services | 10 |
| 722511 | Full-Service Restaurants | 10 |
| 722513 | Limited-Service Restaurants | 9 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 9 |
| 484121 | General Freight Trucking, Long Distance, Truckload | 7 |
| 621330 | Offices of Mental Health Practitioners (except Physicians) | 5 |
| 621340 | Offices of Physical, Occupational and Speech Therapists, and Audiologi | 5 |
| 236220 | Commercial and Institutional Building Construction | 5 |
| 812112 | Beauty Salons | 5 |
Top 10 states
| State | Loans |
|---|---|
| TX | 238 |
Top franchise brands financed
22 franchise loans across 21 distinct brands.
| Franchise | Loans |
|---|---|
| Mudlingers Drive-Thru Coffee - | 2 |
| Acton Academy | 1 |
| Edible Communties - License Ag | 1 |
| The Little Gym | 1 |
| Essential Speech and ABA Thera | 1 |
| British Swim School | 1 |
| Mr. Handyman | 1 |
| Fit Body Boot Camp | 1 |
| Poke Bar | 1 |
| Real Property Management | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.