How much do lenders finance for a AlignLife franchise?

The median SBA loan approved for a AlignLife franchise is $140,000, with the middle 80% of loans between $50,500 and $400,000. 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 AlignLife franchises?

By dollars approved, the most active SBA lenders for AlignLife have been BayFirst National Bank, Colony Bank, First Mid Bank & Trust, Citizens Bank. 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 AlignLife 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.

Franchise financing

Financing a AlignLife franchise

SBA lenders have approved 16 loans against the AlignLife brand since FY2010, totalling $3.0M. The median approval was $140,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1137

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$140,000

Typical range

$51K-$400K

Middle 80% of loans

Median term

10 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 AlignLife

Lender	Loans	Approved
BayFirst National Bank	3	$791K
Colony Bank	1	$400K
First Mid Bank & Trust	3	$399K
Citizens Bank	1	$391K
Florida Capital Bank	1	$246K
Stearns Bank	1	$150K
United Midwest Savings Bank	1	$150K
The Huntington National Bank	2	$133K

Geography

Where AlignLife units were financed

State	Loans	Share
Illinois	4
Florida	3
Michigan	2
South Carolina	2
North Carolina	2
Puerto Rico	1
Georgia	1
Tennessee	1

Approvals by fiscal year

’14

’15

’19

’20

’21

’23

’24

’25

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 $50K
13%
$50K - $150K
38%
$150K - $350K
25%
$350K - $1M
25%

Financing a AlignLife: common questions

How much do lenders finance for a AlignLife franchise?: The median SBA loan approved for a AlignLife franchise is $140,000, with the middle 80% of loans between $50,500 and $400,000. 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 AlignLife franchises?: By dollars approved, the most active SBA lenders for AlignLife have been BayFirst National Bank, Colony Bank, First Mid Bank & Trust, Citizens Bank. 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 AlignLife 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.

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.

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