How much do lenders finance for a Navis Pack & Ship franchise?

The median SBA loan approved for a Navis Pack & Ship franchise is $199,250, with the middle 80% of loans between $53,000 and $1,383,000. 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 Navis Pack & Ship franchises?

By dollars approved, the most active SBA lenders for Navis Pack & Ship have been Harvest Small Business Finance, LLC, Pinnacle Bank, Beneficial State Bank, JPMorgan Chase 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 Navis Pack & Ship 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 Navis Pack & Ship franchise

SBA lenders have approved 12 loans against the Navis Pack & Ship brand since FY2010, totalling $5.1M. The median approval was $199,250. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1426

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$199,250

Typical range

$53K-$1.4M

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 Navis Pack & Ship

Lender	Loans	Approved
Harvest Small Business Finance, LLC	1	$1.8M
Pinnacle Bank	1	$1.4M
Beneficial State Bank	2	$730K
JPMorgan Chase Bank	1	$350K
The Huntington National Bank	2	$279K
The Farmers Bank, Frankfort, Indiana	2	$153K
CDC Small Business Finance Corp.	1	$150K
Wallis Bank	1	$144K

Geography

Where Navis Pack & Ship units were financed

State	Loans	Share
Indiana	2
California	2
North Carolina	2
Florida	1
Texas	1
New York	1
Oregon	1
Washington	1

Approvals by fiscal year

’18

’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
8%
$50K - $150K
33%
$150K - $350K
25%
$350K - $1M
17%
$1M - $2M
17%

Financing a Navis Pack & Ship: common questions

How much do lenders finance for a Navis Pack & Ship franchise?: The median SBA loan approved for a Navis Pack & Ship franchise is $199,250, with the middle 80% of loans between $53,000 and $1,383,000. 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 Navis Pack & Ship franchises?: By dollars approved, the most active SBA lenders for Navis Pack & Ship have been Harvest Small Business Finance, LLC, Pinnacle Bank, Beneficial State Bank, JPMorgan Chase 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 Navis Pack & Ship 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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