How much do lenders finance for a Farmer Boys franchise?

The median SBA loan approved for a Farmer Boys franchise is $1,000,000, with the middle 80% of loans between $270,000 and $1,760,000. 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 Farmer Boys franchises?

By dollars approved, the most active SBA lenders for Farmer Boys have been Banner Bank, Mortgage Capital Development Corporation, US Metro Bank, Zions Bank, A Division of. 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 Farmer Boys 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.

Franchise financing

Financing a Farmer Boys franchise

SBA lenders have approved 35 loans against the Farmer Boys brand since FY2010, totalling $35.3M. The median approval was $1,000,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#644

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$1,000,000

Typical range

$270K-$1.8M

Middle 80% of loans

Median term

25 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 Farmer Boys

Lender	Loans	Approved
Banner Bank	14	$16.2M
Mortgage Capital Development Corporation	11	$11.3M
US Metro Bank	3	$2.4M
Zions Bank, A Division of	1	$2.1M
Columbia Bank	1	$1.0M
Arizona Capital Source	1	$901K
CDC Small Business Finance Corp.	1	$727K
Bank Five Nine	2	$540K

Geography

Where Farmer Boys units were financed

State	Loans	Share
California	30
Arizona	5

Approvals by fiscal year

’14

’15

’16

’18

’19

’20

’21

’22

’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

$150K - $350K
14%
$350K - $1M
34%
$1M - $2M
49%
Over $2M
3%

Financing a Farmer Boys: common questions

How much do lenders finance for a Farmer Boys franchise?: The median SBA loan approved for a Farmer Boys franchise is $1,000,000, with the middle 80% of loans between $270,000 and $1,760,000. 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 Farmer Boys franchises?: By dollars approved, the most active SBA lenders for Farmer Boys have been Banner Bank, Mortgage Capital Development Corporation, US Metro Bank, Zions Bank, A Division of. 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 Farmer Boys 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.

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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