How much do lenders finance for a The Junkluggers franchise?

The median SBA loan approved for a The Junkluggers franchise is $150,000, with the middle 80% of loans between $49,600 and $349,400. 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 The Junkluggers franchises?

By dollars approved, the most active SBA lenders for The Junkluggers have been United Midwest Savings Bank, The Huntington National Bank, Empire State Certified Development Corporation, Wilmington Savings Fund Society. 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 The Junkluggers 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 The Junkluggers franchise

SBA lenders have approved 67 loans against the The Junkluggers brand since FY2010, totalling $12.5M. The median approval was $150,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#329

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$150,000

Typical range

$50K-$349K

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 The Junkluggers

Lender	Loans	Approved
United Midwest Savings Bank	25	$4.2M
The Huntington National Bank	19	$2.7M
Empire State Certified Development Corporation	1	$922K
Wilmington Savings Fund Society	2	$600K
Regions Bank	1	$537K
Beacon Bank and Trust	1	$500K
The Bancorp Bank	1	$350K
Business Expansion Funding Corporation	1	$347K

Geography

Where The Junkluggers units were financed

State	Loans	Share
California	11
Texas	10
New York	6
Florida	6
Michigan	5
North Carolina	4
Illinois	4
Virginia	3

Approvals by fiscal year

’13

’16

’17

’18

’19

’20

’21

’22

’23

’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
12%
$50K - $150K
18%
$150K - $350K
60%
$350K - $1M
10%

Financing a The Junkluggers: common questions

How much do lenders finance for a The Junkluggers franchise?: The median SBA loan approved for a The Junkluggers franchise is $150,000, with the middle 80% of loans between $49,600 and $349,400. 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 The Junkluggers franchises?: By dollars approved, the most active SBA lenders for The Junkluggers have been United Midwest Savings Bank, The Huntington National Bank, Empire State Certified Development Corporation, Wilmington Savings Fund Society. 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 The Junkluggers 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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