How much do lenders finance for a Mac Tools franchise?

The median SBA loan approved for a Mac Tools franchise is $100,000, with the middle 80% of loans between $25,000 and $350,000. 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 Mac Tools franchises?

By dollars approved, the most active SBA lenders for Mac Tools have been Bank First, BayFirst National Bank, CenTrust Bank, A Division of SmartBiz Bank, Southland Economic Development Corporation. 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 Mac Tools SBA loans?

The median term is 8.2 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 Mac Tools franchise

SBA lenders have approved 22 loans against the Mac Tools brand since FY2010, totalling $4.0M. The median approval was $100,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#911

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$100,000

Typical range

$25K-$350K

Middle 80% of loans

Median term

8.2 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 Mac Tools

Lender	Loans	Approved
Bank First	4	$1.7M
BayFirst National Bank	3	$804K
CenTrust Bank, A Division of SmartBiz Bank	1	$350K
Southland Economic Development Corporation	1	$323K
Five Star Bank	1	$220K
Choice Financial Group	2	$140K
Manufacturers and Traders Trust Company	3	$132K
Equity Bank	1	$104K

Geography

Where Mac Tools units were financed

State	Loans	Share
Ohio	4
Wisconsin	4
California	2
Missouri	2
New York	2
Minnesota	2
Pennsylvania	2
Indiana	1

Approvals by fiscal year

’15

’16

’18

’19

’20

’21

’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
32%
$50K - $150K
32%
$150K - $350K
23%
$350K - $1M
9%
$1M - $2M
5%

Financing a Mac Tools: common questions

How much do lenders finance for a Mac Tools franchise?: The median SBA loan approved for a Mac Tools franchise is $100,000, with the middle 80% of loans between $25,000 and $350,000. 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 Mac Tools franchises?: By dollars approved, the most active SBA lenders for Mac Tools have been Bank First, BayFirst National Bank, CenTrust Bank, A Division of SmartBiz Bank, Southland Economic Development Corporation. 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 Mac Tools SBA loans?: The median term is 8.2 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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