Buying a TWFG Insurance Services franchise: SBA acquisition loan data
Since FY2018, SBA lenders have approved 5 7(a) loans to buy an existing TWFG Insurance Services (classified mostly as Insurance Agencies and Brokerages), totaling $1.7M. The median loan was $270,000, 58% lower than the $645,250 median for all SBA-financed acquisitions. 2 of these loans were approved in the last two fiscal years.
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What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of TWFG Insurance Services resale loans landed between $208,500 and $335,000.
- Lender experience exists. Live Oak Banking Company alone has financed 5 TWFG Insurance Services resales.
- Guaranty. The SBA guaranteed 76% of the dollars lent here.
- What the file leaves out. The SBA file does not record franchisor transfer terms or fees.
Financing a TWFG Insurance Services resale
The median SBA 7(a) loan for a TWFG Insurance Services resale was $270,000 across 5 loans (FY2018 to FY2026). Live Oak Banking Company has financed the most TWFG Insurance Services resales. Too few of these loans are old enough to measure a charge-off rate; the average for all SBA acquisition loans is 3.5%.
TWFG Insurance Services acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 2 | $605K | $302,500 | |
| FY2021 | 0 | $0 | - | |
| FY2022 | 1 | $720K | $720,000 | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 2 | $347K | $173,250 |
How often do these acquisition loans fail?
Fewer than 20 TWFG Insurance Services acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Lenders financing TWFG Insurance Services resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 5 | 100.0% | $1.7M |
States where TWFG Insurance Services units are bought
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Texas | 5 | 100.0% | $1.7M |
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Questions buyers ask
How much do buyers borrow to buy a TWFG Insurance Services franchise?
The median SBA 7(a) loan for a TWFG Insurance Services resale was $270,000 across 5 loans (FY2018 to FY2026). The middle half of loans ran from $208,500 to $335,000. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance TWFG Insurance Services acquisitions?
Live Oak Banking Company has made the most SBA acquisition loans for TWFG Insurance Services (5, 100% of the total).
What interest rate and term do TWFG Insurance Services acquisition loans carry?
The average initial rate at approval was 7.05% (a blend of fixed and variable loans across several rate environments, so treat it as context, not a quote). The median term was 10 years.
Is a TWFG Insurance Services resale riskier than other SBA-financed acquisitions?
Too few TWFG Insurance Services acquisition loans are old enough to measure. The benchmark for all SBA acquisition loans is 3.5% charged off in the FY2018 to FY2021 cohort.
Where are TWFG Insurance Services units being bought with SBA loans?
Texas (5). State counts follow where the brand has units and where SBA lending is most active generally; see the state pages for the overall picture.
Seller note standby terms and third-party consents are reviewed before closing.
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Related
- All Insurance Agencies and Brokerages acquisitions
- Texas acquisitions
- Live Oak Banking Company
- All franchise brands
Brand name as recorded by lenders in the SBA file: "TWFG Insurance Services, Inc. - Branch Office Agreement" (franchise code S2739). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.