How much do lenders finance for a Miracle Method Surface Refinishing franchise?

The median SBA loan approved for a Miracle Method Surface Refinishing franchise is $205,450, with the middle 80% of loans between $107,000 and $756,500. 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 Miracle Method Surface Refinishing franchises?

By dollars approved, the most active SBA lenders for Miracle Method Surface Refinishing have been Wells Fargo Bank, Stearns Bank, Renasant Bank, Kendall 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 Miracle Method Surface Refinishing 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 Miracle Method Surface Refinishing franchise

SBA lenders have approved 24 loans against the Miracle Method Surface Refinishing brand since FY2010, totalling $8.3M. The median approval was $205,450. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#873

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$205,450

Typical range

$107K-$757K

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 Miracle Method Surface Refinishing

Lender	Loans	Approved
Wells Fargo Bank	2	$1.4M
Stearns Bank	7	$1.3M
Renasant Bank	1	$1.2M
Kendall Bank	1	$757K
Fifth Third Bank	1	$648K
Zions Bank, A Division of	3	$633K
Village Bank	1	$500K
KeyBank	1	$500K

Geography

Where Miracle Method Surface Refinishing units were financed

State	Loans	Share
Missouri	3
Utah	3
North Carolina	2
California	2
Georgia	2
Texas	2
Alabama	1
Colorado	1

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
4%
$50K - $150K
25%
$150K - $350K
38%
$350K - $1M
25%
$1M - $2M
8%

Financing a Miracle Method Surface Refinishing: common questions

How much do lenders finance for a Miracle Method Surface Refinishing franchise?: The median SBA loan approved for a Miracle Method Surface Refinishing franchise is $205,450, with the middle 80% of loans between $107,000 and $756,500. 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 Miracle Method Surface Refinishing franchises?: By dollars approved, the most active SBA lenders for Miracle Method Surface Refinishing have been Wells Fargo Bank, Stearns Bank, Renasant Bank, Kendall 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 Miracle Method Surface Refinishing 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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