How much do lenders finance for a AR Workshop franchise?

The median SBA loan approved for a AR Workshop franchise is $100,000, with the middle 80% of loans between $76,800 and $150,000. 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 AR Workshop franchises?

By dollars approved, the most active SBA lenders for AR Workshop have been United Midwest Savings Bank, Manufacturers and Traders Trust Company, Magnifi Financial CU, First Bank of the Lake. 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 AR Workshop 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 AR Workshop franchise

SBA lenders have approved 19 loans against the AR Workshop brand since FY2010, totalling $2.1M. The median approval was $100,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1019

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$100,000

Typical range

$77K-$150K

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 AR Workshop

Lender	Loans	Approved
United Midwest Savings Bank	2	$255K
Manufacturers and Traders Trust Company	3	$250K
Magnifi Financial CU	1	$198K
First Bank of the Lake	1	$177K
Stearns Bank	1	$150K
Newtek Small Business Finance, Inc.	1	$149K
PBandT Bank	1	$147K
Old National Bank	1	$138K

Geography

Where AR Workshop units were financed

State	Loans	Share
California	2
Tennessee	2
Pennsylvania	2
Colorado	2
Texas	2
New Jersey	2
Indiana	1
Florida	1

Approvals by fiscal year

’18

’19

’20

’21

’22

’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
11%
$50K - $150K
74%
$150K - $350K
16%

Financing a AR Workshop: common questions

How much do lenders finance for a AR Workshop franchise?: The median SBA loan approved for a AR Workshop franchise is $100,000, with the middle 80% of loans between $76,800 and $150,000. 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 AR Workshop franchises?: By dollars approved, the most active SBA lenders for AR Workshop have been United Midwest Savings Bank, Manufacturers and Traders Trust Company, Magnifi Financial CU, First Bank of the Lake. 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 AR Workshop 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.

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