How much do lenders finance for a Pizza Factory franchise?

The median SBA loan approved for a Pizza Factory franchise is $252,000, with the middle 80% of loans between $44,300 and $420,000. 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 Pizza Factory franchises?

By dollars approved, the most active SBA lenders for Pizza Factory have been Monterey County Bank, Plumas Bank, Pathward, FFB 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 Pizza 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 Pizza Factory franchise

SBA lenders have approved 15 loans against the Pizza Factory brand since FY2010, totalling $4.1M. The median approval was $252,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1217

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$252,000

Typical range

$44K-$420K

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 Pizza Factory

Lender	Loans	Approved
Monterey County Bank	1	$760K
Plumas Bank	2	$625K
Pathward	1	$420K
FFB Bank	1	$405K
The Huntington National Bank	2	$375K
Citizens Bank	2	$362K
BMO Bank	2	$350K
North State Bank	1	$252K

Geography

Where Pizza Factory units were financed

State	Loans	Share
California	10
Nevada	2
Georgia	2
Washington	1

Approvals by fiscal year

’18

’19

’21

’22

’23

’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
13%
$50K - $150K
7%
$150K - $350K
53%
$350K - $1M
27%

Financing a Pizza Factory: common questions

How much do lenders finance for a Pizza Factory franchise?: The median SBA loan approved for a Pizza Factory franchise is $252,000, with the middle 80% of loans between $44,300 and $420,000. 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 Pizza Factory franchises?: By dollars approved, the most active SBA lenders for Pizza Factory have been Monterey County Bank, Plumas Bank, Pathward, FFB 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 Pizza 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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