Franchise financing
Financing a AdvantaClean franchise
SBA lenders have approved 60 loans against the AdvantaClean brand since FY2010, totalling $10.2M. The median approval was $150,000. These are loans that actually closed - not projections from a disclosure document.
Rank by loan count
#375
of 1,651 brands
Loans approved
60
FY2010 onward
Median loan
$150,000
Typical range
$50K-$253K
Middle 80% of loans
Median term
10 yr
Charge-off rate
11.8%
34 resolved FY10-19 loans
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 AdvantaClean
| Lender | Loans | Approved | Share |
|---|---|---|---|
| United Midwest Savings Bank | 13 | $1.9M | |
| Stearns Bank | 6 | $954K | |
| Small Business Access Partners, Inc. | 1 | $771K | |
| TowneBank | 1 | $733K | |
| First Bank | 2 | $722K | |
| First Internet Bank of Indiana | 1 | $696K | |
| Heartland Bank and Trust Company | 3 | $469K | |
| Manufacturers and Traders Trust Company | 5 | $465K |
Geography
Where AdvantaClean units were financed
| State | Loans | Share |
|---|---|---|
| Georgia | 5 | |
| North Carolina | 5 | |
| Virginia | 5 | |
| Texas | 5 | |
| Illinois | 5 | |
| Wisconsin | 4 | |
| New Jersey | 4 | |
| Pennsylvania | 4 |
Approvals by fiscal year
Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.
Loan sizes
- Under $50K10%
- $50K - $150K30%
- $150K - $350K52%
- $350K - $1M8%
Financing a AdvantaClean: common questions
- How much do lenders finance for a AdvantaClean franchise?
- The median SBA loan approved for a AdvantaClean franchise is $150,000, with the middle 80% of loans between $50,000 and $253,000. 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 AdvantaClean franchises?
- By dollars approved, the most active SBA lenders for AdvantaClean have been United Midwest Savings Bank, Stearns Bank, Small Business Access Partners, Inc., TowneBank. 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 AdvantaClean SBA loans?
- The median term is 10 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.
- Do AdvantaClean SBA loans get charged off often?
- 11.8% of AdvantaClean loans approved between FY2010 and FY2019 that have reached a terminal status were charged off, against 7.6% across all SBA lending. Franchise-level charge-off rates reflect the era a brand expanded in as much as the concept itself - brands that grew hardest into the 2010s carry more seasoned, and more resolved, loans.
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