How much do lenders finance for a ATA International franchise?

The median SBA loan approved for a ATA International franchise is $192,000, with the middle 80% of loans between $35,000 and $843,000. 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 ATA International franchises?

By dollars approved, the most active SBA lenders for ATA International have been Lake Agassiz Certified Development Company, Midwest Business Finance Corporation, First-Citizens Bank & Trust Company, Small Business Growth Corporation. 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 ATA International SBA loans?

The median term is 22.5 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 ATA International franchise

SBA lenders have approved 10 loans against the ATA International brand since FY2010, totalling $3.0M. The median approval was $192,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1560

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$192,000

Typical range

$35K-$843K

Middle 80% of loans

Median term

22.5 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 ATA International

Lender	Loans	Approved
Lake Agassiz Certified Development Company	1	$887K
Midwest Business Finance Corporation	1	$843K
First-Citizens Bank & Trust Company	1	$350K
Small Business Growth Corporation	1	$291K
Mortgage Capital Development Corporation	1	$264K
The American National Bank of Texas	1	$120K
Michigan Certified Development Corporation	1	$119K
The Huntington National Bank	2	$106K

Geography

Where ATA International units were financed

State	Loans	Share
Michigan	4
Arizona	2
North Dakota	2
Illinois	1
Texas	1

Approvals by fiscal year

’20

’21

’22

’23

’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

Under $50K
20%
$50K - $150K
30%
$150K - $350K
20%
$350K - $1M
30%

Financing a ATA International: common questions

How much do lenders finance for a ATA International franchise?: The median SBA loan approved for a ATA International franchise is $192,000, with the middle 80% of loans between $35,000 and $843,000. 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 ATA International franchises?: By dollars approved, the most active SBA lenders for ATA International have been Lake Agassiz Certified Development Company, Midwest Business Finance Corporation, First-Citizens Bank & Trust Company, Small Business Growth Corporation. 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 ATA International SBA loans?: The median term is 22.5 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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