How much do lenders finance for a Cellairis franchise?

The median SBA loan approved for a Cellairis franchise is $278,450, with the middle 80% of loans between $25,000 and $1,214,000. 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 Cellairis franchises?

By dollars approved, the most active SBA lenders for Cellairis have been Georgia Banking Company, Wells Fargo Bank, Simmons Bank, Fountainhead SBF LLC. 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 Cellairis 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 Cellairis franchise

SBA lenders have approved 12 loans against the Cellairis brand since FY2010, totalling $6.9M. The median approval was $278,450. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1408

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$278,450

Typical range

$25K-$1.2M

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 Cellairis

Lender	Loans	Approved
Georgia Banking Company	4	$4.9M
Wells Fargo Bank	2	$1.0M
Simmons Bank	2	$402K
Fountainhead SBF LLC	1	$302K
Plumas Bank	1	$150K
Gulf Coast Bank and Trust Company	1	$100K
Whatcom Educational CU	1	$11K

Geography

Where Cellairis units were financed

State	Loans	Share
Georgia	4
Alabama	2
Tennessee	1
South Carolina	1
Nevada	1
Louisiana	1
Washington	1
Arkansas	1

Approvals by fiscal year

’15

’16

’17

’18

’19

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
17%
$50K - $150K
17%
$150K - $350K
25%
$350K - $1M
25%
$1M - $2M
8%
Over $2M
8%

Financing a Cellairis: common questions

How much do lenders finance for a Cellairis franchise?: The median SBA loan approved for a Cellairis franchise is $278,450, with the middle 80% of loans between $25,000 and $1,214,000. 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 Cellairis franchises?: By dollars approved, the most active SBA lenders for Cellairis have been Georgia Banking Company, Wells Fargo Bank, Simmons Bank, Fountainhead SBF LLC. 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 Cellairis 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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