AQUA-TOTS: how its 55 SBA loans actually performed
Sports and Recreation Instruction · 55 units financed with SBA 7(a) loans since 2010 · 26 lenders have funded this brand.
No defaults on record
None of the 32 seasoned SBA loans to AQUA-TOTS charged off within seven years — a 0.0% rate, against 5.7% across all SBA 7(a) loans.
How this brand compares
share of owners who defaulted within seven yearsWho lends on it
most active lenders, 2010 onward| Lender | Units funded |
|---|---|
| The Huntington National Bank | 6 |
| Wells Fargo Bank National Association | 5 |
| First National Bank of Pennsylvania | 4 |
| United Community Bank | 4 |
| Manufacturers and Traders Trust Company | 3 |
| Traditional Bank Inc | 3 |
26 lenders have funded AQUA-TOTS since 2010. Fewer active lenders means less competition on your rate.
A note on sample size
AQUA-TOTS is a smaller-sample brand: 32 of its SBA loans are old enough to judge (our flagship brands have 60+). The default rate above is a real count, but read it as a signal rather than a verdict — with 32 loans, a handful of outcomes moves the number. We omit the year-by-year breakdowns shown on larger brands, which would be noisy at this size.
Common questions
How many AQUA-TOTS SBA loans have defaulted?
0 of 32 seasoned AQUA-TOTS SBA 7(a) loans charged off within seven years — a 0.0% default rate, against 5.7% across all SBA 7(a) loans.
Is a AQUA-TOTS franchise a safe SBA loan bet?
By the numbers its default rate is below the SBA-wide 5.7% average. That is a financing signal, not a verdict on the business — and with 32 loans it is a smaller sample than our flagship brands.
Which lenders fund AQUA-TOTS franchises?
26 lenders have made SBA loans to AQUA-TOTS since 2010, led by The Huntington National Bank.