How much do lenders finance for a American Deli franchise?

The median SBA loan approved for a American Deli franchise is $372,500, with the middle 80% of loans between $163,000 and $680,000. 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 American Deli franchises?

By dollars approved, the most active SBA lenders for American Deli have been Metro City Bank, Bank of Hope, Hanmi Bank, PromiseOne 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 American Deli 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 American Deli franchise

SBA lenders have approved 60 loans against the American Deli brand since FY2010, totalling $25.9M. The median approval was $372,500. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#378

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$372,500

Typical range

$163K-$680K

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 American Deli

Lender	Loans	Approved
Metro City Bank	31	$10.5M
Bank of Hope	7	$4.0M
Hanmi Bank	5	$2.9M
PromiseOne Bank	2	$2.6M
PCB Bank	5	$2.3M
Golden Bank	2	$1.2M
Open Bank	3	$708K
Readycap Lending, LLC	1	$515K

Geography

Where American Deli units were financed

State	Loans	Share
Georgia	41
Tennessee	9
Alabama	4
North Carolina	2
California	2
Arkansas	1
Texas	1

Approvals by fiscal year

’14

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

’26

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
5%
$150K - $350K
43%
$350K - $1M
45%
$1M - $2M
5%
Over $2M
2%

Financing a American Deli: common questions

How much do lenders finance for a American Deli franchise?: The median SBA loan approved for a American Deli franchise is $372,500, with the middle 80% of loans between $163,000 and $680,000. 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 American Deli franchises?: By dollars approved, the most active SBA lenders for American Deli have been Metro City Bank, Bank of Hope, Hanmi Bank, PromiseOne 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 American Deli 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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