How much do lenders finance for a Mainstream Boutique franchise?

The median SBA loan approved for a Mainstream Boutique franchise is $150,000, with the middle 80% of loans between $42,400 and $250,000. 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 Mainstream Boutique franchises?

By dollars approved, the most active SBA lenders for Mainstream Boutique have been Byline Bank, The Huntington National Bank, BayFirst National Bank, BNC National 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 Mainstream Boutique 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 Mainstream Boutique franchise

SBA lenders have approved 23 loans against the Mainstream Boutique brand since FY2010, totalling $3.5M. The median approval was $150,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#894

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$150,000

Typical range

$42K-$250K

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 Mainstream Boutique

Lender	Loans	Approved
Byline Bank	1	$400K
The Huntington National Bank	3	$374K
BayFirst National Bank	2	$320K
BNC National Bank	1	$250K
Wells Fargo Bank	2	$244K
Lincoln Savings Bank	1	$225K
Old National Bank	2	$225K
Guaranty Bank	1	$187K

Geography

Where Mainstream Boutique units were financed

State	Loans	Share
Minnesota	4
Pennsylvania	3
Texas	3
Florida	2
Ohio	2
Illinois	1
North Dakota	1
North Carolina	1

Approvals by fiscal year

’13

’15

’16

’17

’18

’19

’20

’21

’24

’25

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
13%
$50K - $150K
35%
$150K - $350K
48%
$350K - $1M
4%

Financing a Mainstream Boutique: common questions

How much do lenders finance for a Mainstream Boutique franchise?: The median SBA loan approved for a Mainstream Boutique franchise is $150,000, with the middle 80% of loans between $42,400 and $250,000. 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 Mainstream Boutique franchises?: By dollars approved, the most active SBA lenders for Mainstream Boutique have been Byline Bank, The Huntington National Bank, BayFirst National Bank, BNC National 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 Mainstream Boutique 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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