How much do lenders finance for a All Dry franchise?

The median SBA loan approved for a All Dry franchise is $150,000, with the middle 80% of loans between $30,000 and $295,000. 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 All Dry franchises?

By dollars approved, the most active SBA lenders for All Dry have been The Huntington National Bank, United Midwest Savings Bank, Readycap Lending, LLC, The Callaway 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 All Dry 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 All Dry franchise

SBA lenders have approved 65 loans against the All Dry brand since FY2010, totalling $10.6M. The median approval was $150,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#348

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$150,000

Typical range

$30K-$295K

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 All Dry

Lender	Loans	Approved
The Huntington National Bank	26	$3.6M
United Midwest Savings Bank	15	$2.3M
Readycap Lending, LLC	4	$1.2M
The Callaway Bank	2	$350K
Washington Trust Bank	1	$350K
Hyperion Bank	1	$296K
TransPecos Banks	1	$270K
The Bank of Houston	1	$254K

Geography

Where All Dry units were financed

State	Loans	Share
Texas	9
California	9
Florida	5
Virginia	5
Delaware	4
Louisiana	4
New Jersey	3
Maine	3

Approvals by fiscal year

’21

’22

’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
18%
$50K - $150K
11%
$150K - $350K
69%
$350K - $1M
2%

Financing a All Dry: common questions

How much do lenders finance for a All Dry franchise?: The median SBA loan approved for a All Dry franchise is $150,000, with the middle 80% of loans between $30,000 and $295,000. 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 All Dry franchises?: By dollars approved, the most active SBA lenders for All Dry have been The Huntington National Bank, United Midwest Savings Bank, Readycap Lending, LLC, The Callaway 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 All Dry 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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