How much do lenders finance for a Black Bear Diners franchise?

The median SBA loan approved for a Black Bear Diners franchise is $1,028,600, with the middle 80% of loans between $415,000 and $1,866,000. 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 Black Bear Diners franchises?

By dollars approved, the most active SBA lenders for Black Bear Diners have been Commercial Bank of California, Heritage Bank, Glacier Bank, Wells Fargo 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 Black Bear Diners SBA loans?

The median term is 10.5 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 Black Bear Diners franchise

SBA lenders have approved 21 loans against the Black Bear Diners brand since FY2010, totalling $24.0M. The median approval was $1,028,600. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#935

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$1,028,600

Typical range

$415K-$1.9M

Middle 80% of loans

Median term

10.5 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 Black Bear Diners

Lender	Loans	Approved
Commercial Bank of California	6	$8.1M
Heritage Bank	5	$4.0M
Glacier Bank	1	$2.8M
Wells Fargo Bank	1	$2.0M
Citizens Business Bank	1	$1.7M
Northwest Business Development Association	1	$1.2M
United Business Bank	1	$998K
Columbia Bank	1	$888K

Geography

Where Black Bear Diners units were financed

State	Loans	Share
California	9
Oregon	5
Washington	5
Colorado	1
Utah	1

Approvals by fiscal year

’11

’12

’13

’14

’15

’16

’17

’18

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

$350K - $1M
43%
$1M - $2M
48%
Over $2M
10%

Financing a Black Bear Diners: common questions

How much do lenders finance for a Black Bear Diners franchise?: The median SBA loan approved for a Black Bear Diners franchise is $1,028,600, with the middle 80% of loans between $415,000 and $1,866,000. 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 Black Bear Diners franchises?: By dollars approved, the most active SBA lenders for Black Bear Diners have been Commercial Bank of California, Heritage Bank, Glacier Bank, Wells Fargo 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 Black Bear Diners SBA loans?: The median term is 10.5 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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