How much do lenders finance for a Pirtek franchise?

The median SBA loan approved for a Pirtek franchise is $350,000, with the middle 80% of loans between $100,000 and $1,024,000. 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 Pirtek franchises?

By dollars approved, the most active SBA lenders for Pirtek have been Citizens Bank, Live Oak Banking Company, The Huntington National Bank, Georgia 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 Pirtek 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 Pirtek franchise

SBA lenders have approved 119 loans against the Pirtek brand since FY2010, totalling $61.0M. The median approval was $350,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#164

of 1,651 brands

Loans approved

119

FY2010 onward

Median loan

$350,000

Typical range

$100K-$1.0M

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 Pirtek

Lender	Loans	Approved
Citizens Bank	16	$7.6M
Live Oak Banking Company	5	$7.2M
The Huntington National Bank	12	$5.9M
Georgia Banking Company	2	$4.2M
HomeTrust Bank	3	$2.1M
Vallant Bank	1	$2.0M
Milestone Bank	1	$1.9M
BankCherokee	3	$1.8M

Geography

Where Pirtek units were financed

State	Loans	Share
Texas	15
Florida	12
California	11
Ohio	8
Utah	6
Minnesota	5
North Carolina	5
Colorado	5

Approvals by fiscal year

’12

’13

’14

’15

’16

’17

’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
3%
$50K - $150K
14%
$150K - $350K
28%
$350K - $1M
44%
$1M - $2M
8%
Over $2M
3%

Financing a Pirtek: common questions

How much do lenders finance for a Pirtek franchise?: The median SBA loan approved for a Pirtek franchise is $350,000, with the middle 80% of loans between $100,000 and $1,024,000. 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 Pirtek franchises?: By dollars approved, the most active SBA lenders for Pirtek have been Citizens Bank, Live Oak Banking Company, The Huntington National Bank, Georgia 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 Pirtek 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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