How much do lenders finance for a Joshua Tree franchise?

The median SBA loan approved for a Joshua Tree franchise is $490,500, with the middle 80% of loans between $350,000 and $684,800. 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 Joshua Tree franchises?

By dollars approved, the most active SBA lenders for Joshua Tree have been First Bank of the Lake, North State Bank, Climate First Bank, First Business 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 Joshua Tree 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 Joshua Tree franchise

SBA lenders have approved 10 loans against the Joshua Tree brand since FY2010, totalling $5.1M. The median approval was $490,500. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1648

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$490,500

Typical range

$350K-$685K

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 Joshua Tree

Lender	Loans	Approved
First Bank of the Lake	4	$2.2M
North State Bank	1	$620K
Climate First Bank	1	$575K
First Business Bank	1	$489K
Magnifi Financial CU	1	$461K
Citizens Bank	1	$388K
CDC Small Business Finance Corp.	1	$350K

Geography

Where Joshua Tree units were financed

State	Loans	Share
Florida	2
Indiana	1
North Carolina	1
Pennsylvania	1
New Jersey	1
Connecticut	1
Virginia	1
Texas	1

Approvals by fiscal year

’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

$150K - $350K
10%
$350K - $1M
90%

Financing a Joshua Tree: common questions

How much do lenders finance for a Joshua Tree franchise?: The median SBA loan approved for a Joshua Tree franchise is $490,500, with the middle 80% of loans between $350,000 and $684,800. 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 Joshua Tree franchises?: By dollars approved, the most active SBA lenders for Joshua Tree have been First Bank of the Lake, North State Bank, Climate First Bank, First Business 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 Joshua Tree 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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