How much do lenders finance for a Kitchen Tune Up franchise?

The median SBA loan approved for a Kitchen Tune Up franchise is $150,000, with the middle 80% of loans between $84,700 and $200,000. 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 Kitchen Tune Up franchises?

By dollars approved, the most active SBA lenders for Kitchen Tune Up have been United Midwest Savings Bank, First Bank, Citizens Bank, The Bancorp 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 Kitchen Tune Up 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 Kitchen Tune Up franchise

SBA lenders have approved 62 loans against the Kitchen Tune Up brand since FY2010, totalling $10.8M. The median approval was $150,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#365

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$150,000

Typical range

$85K-$200K

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 Kitchen Tune Up

Lender	Loans	Approved
United Midwest Savings Bank	40	$6.0M
First Bank	2	$1.7M
Citizens Bank	1	$557K
The Bancorp Bank	1	$467K
BayFirst National Bank	3	$449K
Stearns Bank	4	$432K
The Huntington National Bank	4	$381K
Newtek Bank	1	$350K

Geography

Where Kitchen Tune Up units were financed

State	Loans	Share
Texas	7
North Carolina	4
New Jersey	4
Wisconsin	4
California	4
Georgia	3
Ohio	3
Arkansas	3

Approvals by fiscal year

’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
5%
$50K - $150K
19%
$150K - $350K
68%
$350K - $1M
8%

Financing a Kitchen Tune Up: common questions

How much do lenders finance for a Kitchen Tune Up franchise?: The median SBA loan approved for a Kitchen Tune Up franchise is $150,000, with the middle 80% of loans between $84,700 and $200,000. 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 Kitchen Tune Up franchises?: By dollars approved, the most active SBA lenders for Kitchen Tune Up have been United Midwest Savings Bank, First Bank, Citizens Bank, The Bancorp 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 Kitchen Tune Up 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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