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

The median SBA loan approved for a Grandy's franchise is $82,500, with the middle 80% of loans between $50,000 and $1,288,000. 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 Grandy's franchises?

By dollars approved, the most active SBA lenders for Grandy's have been The Huntington National Bank, Coastal Area District Development Authority, Inc., American National Bank and Trust, Wallis 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 Grandy's SBA loans?

The median term is 7 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 Grandy's franchise

SBA lenders have approved 10 loans against the Grandy's brand since FY2010, totalling $5.9M. The median approval was $82,500. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1565

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$82,500

Typical range

$50K-$1.3M

Middle 80% of loans

Median term

7 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 Grandy's

Lender	Loans	Approved
The Huntington National Bank	1	$2.8M
Coastal Area District Development Authority, Inc.	1	$1.3M
American National Bank and Trust	1	$1.2M
Wallis Bank	1	$195K
PNC Bank	3	$125K
Bank of Hope	1	$85K
The American National Bank of Texas	1	$80K
JPMorgan Chase Bank	1	$50K

Geography

Where Grandy's units were financed

State	Loans	Share
Texas	9
Georgia	1

Approvals by fiscal year

’10

’12

’13

’15

’16

’17

’21

’22

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
10%
$50K - $150K
50%
$150K - $350K
10%
$1M - $2M
20%
Over $2M
10%

Financing a Grandy's: common questions

How much do lenders finance for a Grandy's franchise?: The median SBA loan approved for a Grandy's franchise is $82,500, with the middle 80% of loans between $50,000 and $1,288,000. 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 Grandy's franchises?: By dollars approved, the most active SBA lenders for Grandy's have been The Huntington National Bank, Coastal Area District Development Authority, Inc., American National Bank and Trust, Wallis 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 Grandy's SBA loans?: The median term is 7 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.

We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.