How much do lenders finance for a Fresh Coat franchise?

The median SBA loan approved for a Fresh Coat franchise is $103,000, with the middle 80% of loans between $25,000 and $424,000. 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 Fresh Coat franchises?

By dollars approved, the most active SBA lenders for Fresh Coat have been KeyBank, United Midwest Savings Bank, Pinnacle Bank, Texas Capital 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 Fresh Coat 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 Fresh Coat franchise

SBA lenders have approved 29 loans against the Fresh Coat brand since FY2010, totalling $5.9M. The median approval was $103,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#749

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$103,000

Typical range

$25K-$424K

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 Fresh Coat

Lender	Loans	Approved
KeyBank	3	$2.3M
United Midwest Savings Bank	5	$700K
Pinnacle Bank	1	$649K
Texas Capital Bank	1	$424K
Byline Bank	1	$375K
The Huntington National Bank	3	$292K
Stearns Bank	2	$153K
PeopleFund	1	$153K

Geography

Where Fresh Coat units were financed

State	Loans	Share
Ohio	6
Georgia	3
Texas	3
Florida	3
New York	2
California	2
Tennessee	1
South Dakota	1

Approvals by fiscal year

’14

’15

’16

’17

’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

Under $50K
14%
$50K - $150K
41%
$150K - $350K
28%
$350K - $1M
10%
$1M - $2M
7%

Financing a Fresh Coat: common questions

How much do lenders finance for a Fresh Coat franchise?: The median SBA loan approved for a Fresh Coat franchise is $103,000, with the middle 80% of loans between $25,000 and $424,000. 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 Fresh Coat franchises?: By dollars approved, the most active SBA lenders for Fresh Coat have been KeyBank, United Midwest Savings Bank, Pinnacle Bank, Texas Capital 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 Fresh Coat 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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