How much do lenders finance for a Philly Pretzel Factory franchise?

The median SBA loan approved for a Philly Pretzel Factory franchise is $237,000, with the middle 80% of loans between $50,000 and $435,000. 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 Philly Pretzel Factory franchises?

By dollars approved, the most active SBA lenders for Philly Pretzel Factory have been Firstrust Savings Bank, The Huntington National Bank, Stearns Bank, CRF Small Business Loan Company, LLC. 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 Philly Pretzel Factory 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 Philly Pretzel Factory franchise

SBA lenders have approved 49 loans against the Philly Pretzel Factory brand since FY2010, totalling $12.2M. The median approval was $237,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#455

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$237,000

Typical range

$50K-$435K

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 Philly Pretzel Factory

Lender	Loans	Approved
Firstrust Savings Bank	2	$1.3M
The Huntington National Bank	6	$1.2M
Stearns Bank	4	$866K
CRF Small Business Loan Company, LLC	2	$756K
Citizens Bank	2	$713K
Happen Bank	1	$709K
Magnifi Financial CU	2	$675K
First Bank of the Lake	2	$669K

Geography

Where Philly Pretzel Factory units were financed

State	Loans	Share
Pennsylvania	16
New Jersey	14
Florida	5
New York	5
North Carolina	3
South Carolina	2
Massachusetts	2
Arizona	1

Approvals by fiscal year

’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
10%
$50K - $150K
16%
$150K - $350K
51%
$350K - $1M
22%

Financing a Philly Pretzel Factory: common questions

How much do lenders finance for a Philly Pretzel Factory franchise?: The median SBA loan approved for a Philly Pretzel Factory franchise is $237,000, with the middle 80% of loans between $50,000 and $435,000. 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 Philly Pretzel Factory franchises?: By dollars approved, the most active SBA lenders for Philly Pretzel Factory have been Firstrust Savings Bank, The Huntington National Bank, Stearns Bank, CRF Small Business Loan Company, LLC. 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 Philly Pretzel Factory 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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