How much do lenders finance for a Aaron's Sales & Lease Ownership franchise?

The median SBA loan approved for a Aaron's Sales & Lease Ownership franchise is $445,000, with the middle 80% of loans between $200,000 and $663,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Aaron's Sales & Lease Ownership franchises?

By dollars approved, the most active SBA lenders for Aaron's Sales & Lease Ownership have been Rural Missouri, Inc., AMPAC Tri-State CDC, Inc., SBA CLSC Servicing, Mountain West Small Business Finance. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are Aaron's Sales & Lease Ownership SBA loans?

The median term is 20 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a Aaron's Sales & Lease Ownership franchise

SBA lenders have approved 15 loans against the Aaron's Sales & Lease Ownership brand since FY2010, totalling $6.3M. The median approval was $445,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1167

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$445,000

Typical range

$200K-$663K

Middle 80% of loans

Median term

20 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed Aaron's Sales & Lease Ownership

Lender	Loans	Approved
Rural Missouri, Inc.	3	$1.4M
AMPAC Tri-State CDC, Inc.	2	$1.1M
SBA CLSC Servicing	2	$904K
Mountain West Small Business Finance	1	$726K
CDC Small Business Finance Corp.	1	$578K
Southland Economic Development Corporation	1	$457K
Community Ventures Corporation	1	$358K
Community Economic Development Company of Colorado	1	$302K

Geography

Where Aaron's Sales & Lease Ownership units were financed

State	Loans	Share
California	5
Kansas	3
Kentucky	2
Arizona	1
Utah	1
Colorado	1
Nebraska	1
Pennsylvania	1

Approvals by fiscal year

’10

’11

’12

’13

’14

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

$50K - $150K
7%
$150K - $350K
20%
$350K - $1M
73%

Financing a Aaron's Sales & Lease Ownership: common questions

How much do lenders finance for a Aaron's Sales & Lease Ownership franchise?: The median SBA loan approved for a Aaron's Sales & Lease Ownership franchise is $445,000, with the middle 80% of loans between $200,000 and $663,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Aaron's Sales & Lease Ownership franchises?: By dollars approved, the most active SBA lenders for Aaron's Sales & Lease Ownership have been Rural Missouri, Inc., AMPAC Tri-State CDC, Inc., SBA CLSC Servicing, Mountain West Small Business Finance. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are Aaron's Sales & Lease Ownership SBA loans?: The median term is 20 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.