How much do lenders finance for a Monkey Joe's franchise?

The median SBA loan approved for a Monkey Joe's franchise is $260,000, with the middle 80% of loans between $148,400 and $460,000. 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 Monkey Joe's franchises?

By dollars approved, the most active SBA lenders for Monkey Joe's have been Pinnacle Bank, WBD, Inc., Truist Bank, TD 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 Monkey Joe's SBA loans?

The median term is 7.1 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 Monkey Joe's franchise

SBA lenders have approved 20 loans against the Monkey Joe's brand since FY2010, totalling $5.9M. The median approval was $260,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#970

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$260,000

Typical range

$148K-$460K

Middle 80% of loans

Median term

7.1 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 Monkey Joe's

Lender	Loans	Approved
Pinnacle Bank	3	$1.1M
WBD, Inc.	2	$967K
Truist Bank	2	$520K
TD Bank	1	$460K
BankPlus	1	$450K
SouthState Bank	1	$399K
Federal Deposit Insurance Corporation	1	$350K
Citizens State Bank of New Castle	2	$338K

Geography

Where Monkey Joe's units were financed

State	Loans	Share
Georgia	7
Wisconsin	2
Pennsylvania	2
Iowa	2
Massachusetts	2
Indiana	2
New York	1
Alabama	1

Approvals by fiscal year

’10

’11

’14

’16

’17

’18

’20

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
10%
$150K - $350K
50%
$350K - $1M
35%

Financing a Monkey Joe's: common questions

How much do lenders finance for a Monkey Joe's franchise?: The median SBA loan approved for a Monkey Joe's franchise is $260,000, with the middle 80% of loans between $148,400 and $460,000. 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 Monkey Joe's franchises?: By dollars approved, the most active SBA lenders for Monkey Joe's have been Pinnacle Bank, WBD, Inc., Truist Bank, TD 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 Monkey Joe's SBA loans?: The median term is 7.1 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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