{"ok":true,"canonical_url":"https://dealroom.so/franchises/pho-hoa","api_url":"https://dealroom.so/api/public/franchises/pho-hoa","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"methodology":{"label":"Franchise financing & failure-rate methodology","url":"https://dealroom.so/methodology/franchise-risk"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"franchise":{"brand":"Pho Hoa","slug":"pho-hoa","url":"https://dealroom.so/franchises/pho-hoa","sbaLoansSince2020":3,"businessPurchases":0,"typicalDeal":300000,"dealRange25th75th":[153500,350000],"avgRatePct":7.25,"failureRatePct":null,"failureRateNote":"too few loans to score","loansSinceFY2025":0,"topLenders":[{"name":"The Huntington National Bank","count":1,"url":"https://dealroom.so/lenders/the-huntington-national-bank"},{"name":"Stearns Bank National Association","count":1,"url":"https://dealroom.so/lenders/stearns-bank-national-association"},{"name":"Newtek Small Business Finance, Inc.","count":1,"url":null}],"topStates":[{"count":1,"state":"IL"},{"count":1,"state":"TX"},{"count":1,"state":"NV"}],"recentDeals":[{"borrower":"H.D. Lime, LLC","city":"Aurora","state":"IL","amount":153500,"fiscalYear":2022,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"Fuyu Investment  LLC","city":"Fort Bliss","state":"TX","amount":350000,"fiscalYear":2020,"businessPurchase":false,"lender":"Stearns Bank National Association"},{"borrower":"Minifox Inc.","city":"Henderson","state":"NV","amount":300000,"fiscalYear":2020,"businessPurchase":false,"lender":"Newtek Small Business Finance, Inc."}]},"caveats":["DealRoom data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"DealRoom franchise financing record","url":"https://dealroom.so/franchises/pho-hoa","source_type":"DealRoom Data"}}