Oxford Bank
Headquartered in Oxford, MI. Analysis based on 178 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $83.6M.
Total 7(a) loans
178
Total approved
$83.6M
Average loan
$469K
States funded in
4
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
34.40%
Average rate
7.72%
Average term
160 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 34 |
| 722511 | Full-Service Restaurants | 8 |
| 713940 | Fitness and Recreational Sports Centers | 7 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 4 |
| 113110 | Timber Tract Operations | 4 |
| 444220 | Nursery and Garden Centers | 3 |
| 238210 | Electrical Contractors | 3 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 3 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 3 |
| 115310 | Support Activities for Forestry | 3 |
Top 10 states
| State | Loans |
|---|---|
| MI | 175 |
| FL | 1 |
| TN | 1 |
| PA | 1 |
Top franchise brands financed
23 franchise loans across 14 distinct brands.
| Franchise | Loans |
|---|---|
| Wing Snob | 6 |
| Beyond Juicery + Eatery | 2 |
| Pet Supplies Plus | 2 |
| F45 Training | 2 |
| Saroki's Crispy Chicken & pizz | 2 |
| Culver's ButterBurgers & Froze | 1 |
| Ameriprise Financial | 1 |
| Hotworx | 1 |
| Pet Passages | 1 |
| Detroit Wing Company | 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.