How much do lenders finance for a Jack in the Box franchise?

The median SBA loan approved for a Jack in the Box franchise is $1,033,250, with the middle 80% of loans between $251,000 and $3,225,000. 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 Jack in the Box franchises?

By dollars approved, the most active SBA lenders for Jack in the Box have been Sunflower Bank, First Fidelity Bank, Banc of California, Merchants Bank of Indiana. 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 Jack in the Box SBA loans?

The median term is 20 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 Jack in the Box franchise

SBA lenders have approved 16 loans against the Jack in the Box brand since FY2010, totalling $22.1M. The median approval was $1,033,250. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1111

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$1,033,250

Typical range

$251K-$3.2M

Middle 80% of loans

Median term

20 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 Jack in the Box

Lender	Loans	Approved
Sunflower Bank	2	$3.6M
First Fidelity Bank	1	$3.5M
Banc of California	1	$3.2M
Merchants Bank of Indiana	1	$2.6M
Live Oak Banking Company	1	$2.5M
Bank of Hope	1	$2.0M
Capital Certified Development Corporation	1	$1.8M
LiftFund, Inc.	2	$1.2M

Geography

Where Jack in the Box units were financed

State	Loans	Share
California	6
Texas	4
New Mexico	2
Arizona	2
Illinois	1
Michigan	1

Approvals by fiscal year

’10

’11

’12

’14

’16

’25

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

$50K - $150K
6%
$150K - $350K
19%
$350K - $1M
25%
$1M - $2M
13%
Over $2M
38%

Financing a Jack in the Box: common questions

How much do lenders finance for a Jack in the Box franchise?: The median SBA loan approved for a Jack in the Box franchise is $1,033,250, with the middle 80% of loans between $251,000 and $3,225,000. 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 Jack in the Box franchises?: By dollars approved, the most active SBA lenders for Jack in the Box have been Sunflower Bank, First Fidelity Bank, Banc of California, Merchants Bank of Indiana. 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 Jack in the Box SBA loans?: The median term is 20 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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