How much do lenders finance for a Five Star Bath Solutions franchise?

The median SBA loan approved for a Five Star Bath Solutions franchise is $224,550, with the middle 80% of loans between $40,000 and $389,000. 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 Five Star Bath Solutions franchises?

By dollars approved, the most active SBA lenders for Five Star Bath Solutions have been The Huntington National Bank, First Bank of the Lake, United Midwest Savings Bank, Readycap Lending, LLC. 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 Five Star Bath Solutions 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 Five Star Bath Solutions franchise

SBA lenders have approved 74 loans against the Five Star Bath Solutions brand since FY2010, totalling $15.5M. The median approval was $224,550. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#300

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$224,550

Typical range

$40K-$389K

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 Five Star Bath Solutions

Lender	Loans	Approved
The Huntington National Bank	31	$5.3M
First Bank of the Lake	19	$5.3M
United Midwest Savings Bank	7	$880K
Readycap Lending, LLC	1	$600K
Intermountain Business Lending, Inc.	1	$510K
First Commonwealth Bank	2	$470K
Port 51 Lending LLC	1	$415K
Newtek Bank	1	$400K

Geography

Where Five Star Bath Solutions units were financed

State	Loans	Share
California	12
Florida	7
Pennsylvania	5
Virginia	5
Utah	4
Georgia	4
Texas	4
Ohio	4

Approvals by fiscal year

’18

’19

’20

’21

’22

’23

’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
12%
$50K - $150K
24%
$150K - $350K
49%
$350K - $1M
15%

Financing a Five Star Bath Solutions: common questions

How much do lenders finance for a Five Star Bath Solutions franchise?: The median SBA loan approved for a Five Star Bath Solutions franchise is $224,550, with the middle 80% of loans between $40,000 and $389,000. 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 Five Star Bath Solutions franchises?: By dollars approved, the most active SBA lenders for Five Star Bath Solutions have been The Huntington National Bank, First Bank of the Lake, United Midwest Savings Bank, Readycap Lending, LLC. 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 Five Star Bath Solutions 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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