How much do lenders finance for a Certa Propainters franchise?

The median SBA loan approved for a Certa Propainters franchise is $89,000, with the middle 80% of loans between $25,000 and $632,000. 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 Certa Propainters franchises?

By dollars approved, the most active SBA lenders for Certa Propainters have been U.S. Bank, Advia Credit Union, Atlantic Union Bank, Bluestone 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 Certa Propainters SBA loans?

The median term is 7 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 Certa Propainters franchise

SBA lenders have approved 10 loans against the Certa Propainters brand since FY2010, totalling $2.4M. The median approval was $89,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1571

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$89,000

Typical range

$25K-$632K

Middle 80% of loans

Median term

7 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 Certa Propainters

Lender	Loans	Approved
U.S. Bank	1	$814K
Advia Credit Union	1	$632K
Atlantic Union Bank	1	$300K
Bluestone Bank	1	$300K
The Huntington National Bank	2	$113K
United Community Bank	1	$90K
JPMorgan Chase Bank	1	$75K
KeyBank	1	$25K

Geography

Where Certa Propainters units were financed

State	Loans	Share
Ohio	3
Illinois	2
Virginia	1
Massachusetts	1
Florida	1
Wisconsin	1
Tennessee	1

Approvals by fiscal year

’10

’11

’12

’13

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

Financing a Certa Propainters: common questions

How much do lenders finance for a Certa Propainters franchise?: The median SBA loan approved for a Certa Propainters franchise is $89,000, with the middle 80% of loans between $25,000 and $632,000. 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 Certa Propainters franchises?: By dollars approved, the most active SBA lenders for Certa Propainters have been U.S. Bank, Advia Credit Union, Atlantic Union Bank, Bluestone 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 Certa Propainters SBA loans?: The median term is 7 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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