Bank Five Nine
Headquartered in OCONOMOWOC, WI. Analysis based on 790 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $665.9M.
Total 7(a) loans
790
Total approved
$665.9M
Average loan
$843K
States funded in
46
Charge-off rate
0.23%
FY2020–FY2023 cohort
Paid-in-full rate
18.93%
Average rate
7.68%
Average term
194 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 531130 | Lessors of Miniwarehouses and Self-Storage Units | 188 |
| 722513 | Limited-Service Restaurants | 79 |
| 624410 | Child Day Care Services | 67 |
| 623312 | Homes for the Elderly | 43 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 35 |
| 722511 | Full-Service Restaurants | 24 |
| 621330 | Offices of Mental Health Practitioners (except Physicians) | 21 |
| 713990 | All Other Amusement and Recreation Industries | 17 |
| 493110 | General Warehousing and Storage | 17 |
| 447110 | Gasoline Stations with Convenience Stores | 15 |
Top 10 states
| State | Loans |
|---|---|
| WI | 158 |
| TX | 112 |
| FL | 65 |
| CA | 49 |
| NC | 31 |
| IL | 28 |
| GA | 21 |
| AZ | 21 |
| MI | 20 |
| OH | 20 |
Top franchise brands financed
300 franchise loans across 105 distinct brands.
| Franchise | Loans |
|---|---|
| Culver's ButterBurgers & Froze | 45 |
| Kiddie Academy | 27 |
| Success On The Spectrum | 22 |
| The Goddard School | 19 |
| Primrose Schools | 17 |
| HTeaO | 11 |
| UNITS | 9 |
| Pinnacle Montessori Academy | 7 |
| Bulk Petroleum Corporation (Mu | 6 |
| Taco John's | 5 |
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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.