How much do lenders finance for a Gnc franchise?

The median SBA loan approved for a Gnc franchise is $137,200, with the middle 80% of loans between $25,000 and $420,000. 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 Gnc franchises?

By dollars approved, the most active SBA lenders for Gnc have been Bank of America, SmartBank, KeyBank, TD 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 Gnc 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 Gnc franchise

SBA lenders have approved 14 loans against the Gnc brand since FY2010, totalling $2.2M. The median approval was $137,200. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1276

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$137,200

Typical range

$25K-$420K

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 Gnc

Lender	Loans	Approved
Bank of America	1	$452K
SmartBank	1	$420K
KeyBank	2	$391K
TD Bank	3	$289K
The Huntington National Bank	3	$283K
Old National Bank	1	$236K
Granite Bank	2	$100K
Newtek Small Business Finance, Inc.	1	$50K

Geography

Where Gnc units were financed

State	Loans	Share
Indiana	3
Pennsylvania	2
Minnesota	2
Utah	2
Florida	1
Virginia	1
Tennessee	1
Mississippi	1

Approvals by fiscal year

’18

’19

’20

’23

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
29%
$50K - $150K
21%
$150K - $350K
36%
$350K - $1M
14%

Financing a Gnc: common questions

How much do lenders finance for a Gnc franchise?: The median SBA loan approved for a Gnc franchise is $137,200, with the middle 80% of loans between $25,000 and $420,000. 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 Gnc franchises?: By dollars approved, the most active SBA lenders for Gnc have been Bank of America, SmartBank, KeyBank, TD 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 Gnc 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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