How much do lenders finance for a beem Light Sauna franchise?

The median SBA loan approved for a beem Light Sauna franchise is $438,000, with the middle 80% of loans between $40,000 and $671,000. 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 beem Light Sauna franchises?

By dollars approved, the most active SBA lenders for beem Light Sauna have been The Huntington National Bank, American Bank of Commerce, Readycap Lending, LLC, Atlantic Union 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 beem Light Sauna 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 beem Light Sauna franchise

SBA lenders have approved 53 loans against the beem Light Sauna brand since FY2010, totalling $17.9M. The median approval was $438,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#432

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$438,000

Typical range

$40K-$671K

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 beem Light Sauna

Lender	Loans	Approved
The Huntington National Bank	45	$14.0M
American Bank of Commerce	3	$1.5M
Readycap Lending, LLC	1	$710K
Atlantic Union Bank	1	$629K
First Commonwealth Bank	1	$500K
First Bank of the Lake	1	$486K
Manufacturers and Traders Trust Company	1	$50K

Geography

Where beem Light Sauna units were financed

State	Loans	Share
Texas	9
Minnesota	8
California	6
South Carolina	4
Colorado	4
New Jersey	4
North Carolina	3
Massachusetts	2

Approvals by fiscal year

’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

Under $50K
11%
$50K - $150K
34%
$350K - $1M
55%

Financing a beem Light Sauna: common questions

How much do lenders finance for a beem Light Sauna franchise?: The median SBA loan approved for a beem Light Sauna franchise is $438,000, with the middle 80% of loans between $40,000 and $671,000. 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 beem Light Sauna franchises?: By dollars approved, the most active SBA lenders for beem Light Sauna have been The Huntington National Bank, American Bank of Commerce, Readycap Lending, LLC, Atlantic Union 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 beem Light Sauna 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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