How much do lenders finance for a Pet Depot franchise?

The median SBA loan approved for a Pet Depot franchise is $295,300, with the middle 80% of loans between $100,000 and $936,000. 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 Pet Depot franchises?

By dollars approved, the most active SBA lenders for Pet Depot have been Wells Fargo Bank, Wilmington Savings Fund Society, Newtek Small Business Finance, Inc., East West 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 Pet Depot 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 Pet Depot franchise

SBA lenders have approved 14 loans against the Pet Depot brand since FY2010, totalling $7.2M. The median approval was $295,300. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1266

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$295,300

Typical range

$100K-$936K

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 Pet Depot

Lender	Loans	Approved
Wells Fargo Bank	5	$3.6M
Wilmington Savings Fund Society	1	$936K
Newtek Small Business Finance, Inc.	2	$843K
East West Bank	1	$650K
Enterprise Bank & Trust	1	$417K
BMO Bank	1	$300K
Members Cooperative Credit Union	1	$260K
Live Oak Banking Company	1	$103K

Geography

Where Pet Depot units were financed

State	Loans	Share
Arizona	3
Tennessee	2
California	2
Massachusetts	2
Louisiana	1
Maryland	1
Virginia	1
Texas	1

Approvals by fiscal year

’13

’14

’15

’17

’19

’20

’21

’22

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
7%
$50K - $150K
21%
$150K - $350K
36%
$350K - $1M
29%
Over $2M
7%

Financing a Pet Depot: common questions

How much do lenders finance for a Pet Depot franchise?: The median SBA loan approved for a Pet Depot franchise is $295,300, with the middle 80% of loans between $100,000 and $936,000. 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 Pet Depot franchises?: By dollars approved, the most active SBA lenders for Pet Depot have been Wells Fargo Bank, Wilmington Savings Fund Society, Newtek Small Business Finance, Inc., East West 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 Pet Depot 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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