How much do lenders finance for a Ductz franchise?

The median SBA loan approved for a Ductz franchise is $170,000, with the middle 80% of loans between $75,000 and $315,000. 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 Ductz franchises?

By dollars approved, the most active SBA lenders for Ductz have been SouthState Bank, United Midwest Savings Bank, PNC Bank, CenTrust Bank, A Division of SmartBiz 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 Ductz 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 Ductz franchise

SBA lenders have approved 10 loans against the Ductz brand since FY2010, totalling $2.4M. The median approval was $170,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1588

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$170,000

Typical range

$75K-$315K

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 Ductz

Lender	Loans	Approved
SouthState Bank	1	$920K
United Midwest Savings Bank	2	$400K
PNC Bank	1	$315K
CenTrust Bank, A Division of SmartBiz Bank	2	$300K
Beacon Bank and Trust	2	$202K
The Park National Bank	1	$198K
TD Bank	1	$75K

Geography

Where Ductz units were financed

State	Loans	Share
Pennsylvania	3
Tennessee	1
South Carolina	1
New Jersey	1
Georgia	1
Texas	1
Virginia	1
District of Columbia	1

Approvals by fiscal year

’12

’15

’19

’20

’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
10%
$50K - $150K
10%
$150K - $350K
70%
$350K - $1M
10%

Financing a Ductz: common questions

How much do lenders finance for a Ductz franchise?: The median SBA loan approved for a Ductz franchise is $170,000, with the middle 80% of loans between $75,000 and $315,000. 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 Ductz franchises?: By dollars approved, the most active SBA lenders for Ductz have been SouthState Bank, United Midwest Savings Bank, PNC Bank, CenTrust Bank, A Division of SmartBiz 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 Ductz 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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