How much do lenders finance for a Next Day Access franchise?

The median SBA loan approved for a Next Day Access franchise is $183,000, with the middle 80% of loans between $30,000 and $401,000. 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 Next Day Access franchises?

By dollars approved, the most active SBA lenders for Next Day Access have been The Huntington National Bank, United Midwest Savings Bank, Leader Bank, Manufacturers and Traders Trust Company. 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 Next Day Access 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 Next Day Access franchise

SBA lenders have approved 22 loans against the Next Day Access brand since FY2010, totalling $5.1M. The median approval was $183,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#923

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$183,000

Typical range

$30K-$401K

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 Next Day Access

Lender	Loans	Approved
The Huntington National Bank	9	$2.3M
United Midwest Savings Bank	3	$435K
Leader Bank	1	$401K
Manufacturers and Traders Trust Company	2	$375K
Bank Five Nine	1	$356K
First Commonwealth Bank	1	$305K
The Bank of Houston	1	$247K
Readycap Lending, LLC	1	$240K

Geography

Where Next Day Access units were financed

State	Loans	Share
Texas	3
Florida	3
California	2
Illinois	2
Ohio	2
New York	2
North Carolina	1
Oklahoma	1

Approvals by fiscal year

’18

’21

’22

’23

’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
14%
$50K - $150K
27%
$150K - $350K
36%
$350K - $1M
18%
$1M - $2M
5%

Financing a Next Day Access: common questions

How much do lenders finance for a Next Day Access franchise?: The median SBA loan approved for a Next Day Access franchise is $183,000, with the middle 80% of loans between $30,000 and $401,000. 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 Next Day Access franchises?: By dollars approved, the most active SBA lenders for Next Day Access have been The Huntington National Bank, United Midwest Savings Bank, Leader Bank, Manufacturers and Traders Trust Company. 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 Next Day Access 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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