How much do lenders finance for a Comfort franchise?

The median SBA loan approved for a Comfort franchise is $2,485,000, with the middle 80% of loans between $773,000 and $4,396,000. 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 Comfort franchises?

By dollars approved, the most active SBA lenders for Comfort have been Bank of Hope, Columbia Bank, SouthState Bank, BankUnited. 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 Comfort SBA loans?

The median term is 25 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.

Do Comfort SBA loans get charged off often?

2.0% of Comfort loans approved between FY2010 and FY2019 that have reached a terminal status were charged off, against 7.6% across all SBA lending. Franchise-level charge-off rates reflect the era a brand expanded in as much as the concept itself - brands that grew hardest into the 2010s carry more seasoned, and more resolved, loans.

Franchise financing

Financing a Comfort franchise

SBA lenders have approved 279 loans against the Comfort brand since FY2010, totalling $700.4M. The median approval was $2,485,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#51

of 1,651 brands

Loans approved

279

FY2010 onward

Median loan

$2,485,000

Typical range

$773K-$4.4M

Middle 80% of loans

Median term

25 yr

Charge-off rate

2.0%

196 resolved FY10-19 loans

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 Comfort

Lender	Loans	Approved
Bank of Hope	10	$35.5M
Columbia Bank	10	$28.4M
SouthState Bank	10	$27.5M
BankUnited	8	$25.9M
Commonwealth Business Bank	8	$24.1M
NewBank	5	$23.4M
PromiseOne Bank	11	$22.3M
First Western SBLC, LLC	9	$21.6M

Geography

Where Comfort units were financed

State	Loans	Share
Texas	41
Indiana	20
Georgia	20
California	18
Ohio	15
Florida	13
North Carolina	12
Michigan	11

Approvals by fiscal year

’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

$50K - $150K
1%
$150K - $350K
4%
$350K - $1M
8%
$1M - $2M
23%
Over $2M
63%

Financing a Comfort: common questions

How much do lenders finance for a Comfort franchise?: The median SBA loan approved for a Comfort franchise is $2,485,000, with the middle 80% of loans between $773,000 and $4,396,000. 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 Comfort franchises?: By dollars approved, the most active SBA lenders for Comfort have been Bank of Hope, Columbia Bank, SouthState Bank, BankUnited. 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 Comfort SBA loans?: The median term is 25 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.
Do Comfort SBA loans get charged off often?: 2.0% of Comfort loans approved between FY2010 and FY2019 that have reached a terminal status were charged off, against 7.6% across all SBA lending. Franchise-level charge-off rates reflect the era a brand expanded in as much as the concept itself - brands that grew hardest into the 2010s carry more seasoned, and more resolved, loans.

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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