SBA Franchise Financing

SBA Franchise Financing — From Application to Open.

You found the right franchise. You know it works. SBA financing shouldn’t be the thing that stops you. It won’t be.

Check My Franchise Eligibility — Free View Pre-Approved Brands ↓

How It Works

How SBA Franchise Financing Works

SBA 7(a) is the primary vehicle — up to $5M in total financing for franchise acquisition and buildout.

Pre-approved franchises (SBA Franchise Directory) close in 60–90 days with streamlined documentation.

Non-approved franchises require additional review — typical timeline is 90–120 days to close.

Typical structure: 10% borrower equity, 90% SBA-guaranteed loan — one of the lowest down payments in commercial lending.

Covers: franchise fee, equipment, leasehold improvements, working capital — one loan for the full launch.

Qualifications

What You Need to Qualify

✓Credit score: 680+ preferred
✓Relevant industry experience or management background
✓Personal financial statement
✓Franchise agreement or letter of intent
✓Business plan (we can help)

Pre-Approved Brands

SBA Pre-Approved Franchise Brands

These franchise brands are pre-approved by the SBA — faster closing, less documentation.

McDonald's

Subway

Anytime Fitness

Sport Clips

Great Clips

Ace Hardware

Kumon

Jan-Pro

Servpro

Paul Davis Restoration

Mosquito Joe

Pinot's Palette

Mathnasium

Neighborly

Supercuts

The UPS Store

Snap Fitness

Orangetheory Fitness

European Wax Center

Nothing Bundt Cakes

Don't see your franchise? Contact us — we work with approved and non-approved brands.

Get Started

Check Your Franchise Eligibility

Get a free eligibility assessment for SBA franchise financing.

✓ Free

✓ No obligation

✓ 24-hour response