How much do lenders finance for a OsteoStrong franchise?

The median SBA loan approved for a OsteoStrong franchise is $246,850, with the middle 80% of loans between $40,000 and $352,800. 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 OsteoStrong franchises?

By dollars approved, the most active SBA lenders for OsteoStrong have been Stearns Bank, First Bank, The Huntington National Bank, 22nd State Bank, A Division of 22nd State Banking 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 OsteoStrong 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 OsteoStrong franchise

SBA lenders have approved 66 loans against the OsteoStrong brand since FY2010, totalling $15.1M. The median approval was $246,850. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#340

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$246,850

Typical range

$40K-$353K

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 OsteoStrong

Lender	Loans	Approved
Stearns Bank	9	$1.7M
First Bank	6	$1.5M
The Huntington National Bank	8	$1.4M
22nd State Bank, A Division of 22nd State Banking Company	1	$890K
Old National Bank	2	$869K
Hancock Whitney Bank	2	$664K
Newtek Small Business Finance, Inc.	2	$639K
KeyBank	2	$612K

Geography

Where OsteoStrong units were financed

State	Loans	Share
California	12
Ohio	10
Missouri	6
Florida	4
Minnesota	4
Texas	4
Colorado	3
Alabama	2

Approvals by fiscal year

’14

’15

’16

’17

’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
12%
$50K - $150K
17%
$150K - $350K
59%
$350K - $1M
12%

Financing a OsteoStrong: common questions

How much do lenders finance for a OsteoStrong franchise?: The median SBA loan approved for a OsteoStrong franchise is $246,850, with the middle 80% of loans between $40,000 and $352,800. 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 OsteoStrong franchises?: By dollars approved, the most active SBA lenders for OsteoStrong have been Stearns Bank, First Bank, The Huntington National Bank, 22nd State Bank, A Division of 22nd State Banking 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 OsteoStrong 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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