How much do lenders finance for a Just Between Friends franchise?

The median SBA loan approved for a Just Between Friends franchise is $92,750, with the middle 80% of loans between $35,000 and $272,500. 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 Just Between Friends franchises?

By dollars approved, the most active SBA lenders for Just Between Friends have been JPMorgan Chase Bank, Manufacturers and Traders Trust Company, Fresno Community Development Financial Institution, Stearns 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 Just Between Friends SBA loans?

The median term is 9 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 Just Between Friends franchise

SBA lenders have approved 12 loans against the Just Between Friends brand since FY2010, totalling $1.4M. The median approval was $92,750. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1403

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$92,750

Typical range

$35K-$273K

Middle 80% of loans

Median term

9 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 Just Between Friends

Lender	Loans	Approved
JPMorgan Chase Bank	1	$297K
Manufacturers and Traders Trust Company	1	$273K
Fresno Community Development Financial Institution	1	$227K
Stearns Bank	2	$198K
Cornerstone Capital Bank	2	$137K
Newtek Bank	2	$125K
Lake Ridge Bank	2	$70K
TexasBank	1	$50K

Geography

Where Just Between Friends units were financed

State	Loans	Share
Texas	4
California	2
Wisconsin	2
Georgia	2
Pennsylvania	1
Colorado	1

Approvals by fiscal year

’13

’14

’16

’18

’19

’22

’23

’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
33%
$50K - $150K
42%
$150K - $350K
25%

Financing a Just Between Friends: common questions

How much do lenders finance for a Just Between Friends franchise?: The median SBA loan approved for a Just Between Friends franchise is $92,750, with the middle 80% of loans between $35,000 and $272,500. 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 Just Between Friends franchises?: By dollars approved, the most active SBA lenders for Just Between Friends have been JPMorgan Chase Bank, Manufacturers and Traders Trust Company, Fresno Community Development Financial Institution, Stearns 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 Just Between Friends SBA loans?: The median term is 9 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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