How much do lenders finance for a Fazoli's franchise?

The median SBA loan approved for a Fazoli's franchise is $617,700, with the middle 80% of loans between $155,000 and $1,354,000. 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 Fazoli's franchises?

By dollars approved, the most active SBA lenders for Fazoli's have been Florida Business Development Corporation, First Commonwealth Bank, First Federal Bank, First-Citizens Bank & Trust Company. 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 Fazoli's SBA loans?

The median term is 15 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 Fazoli's franchise

SBA lenders have approved 29 loans against the Fazoli's brand since FY2010, totalling $23.0M. The median approval was $617,700. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#739

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$617,700

Typical range

$155K-$1.4M

Middle 80% of loans

Median term

15 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 Fazoli's

Lender	Loans	Approved
Florida Business Development Corporation	4	$3.1M
First Commonwealth Bank	1	$2.8M
First Federal Bank	1	$2.5M
First-Citizens Bank & Trust Company	1	$1.4M
PNC Bank	1	$1.3M
Pinnacle Bank	1	$1.3M
The Huntington National Bank	4	$1.2M
Gulf Coast Bank and Trust Company	3	$1.2M

Geography

Where Fazoli's units were financed

State	Loans	Share
Georgia	7
Florida	6
Texas	4
Missouri	3
Indiana	2
Oregon	2
Mississippi	1
South Dakota	1

Approvals by fiscal year

’10

’13

’14

’16

’17

’18

’19

’20

’21

’22

’23

’24

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
7%
$50K - $150K
3%
$150K - $350K
10%
$350K - $1M
52%
$1M - $2M
21%
Over $2M
7%

Financing a Fazoli's: common questions

How much do lenders finance for a Fazoli's franchise?: The median SBA loan approved for a Fazoli's franchise is $617,700, with the middle 80% of loans between $155,000 and $1,354,000. 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 Fazoli's franchises?: By dollars approved, the most active SBA lenders for Fazoli's have been Florida Business Development Corporation, First Commonwealth Bank, First Federal Bank, First-Citizens Bank & Trust Company. 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 Fazoli's SBA loans?: The median term is 15 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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