How much do lenders finance for a Rainbow Restoration franchise?

The median SBA loan approved for a Rainbow Restoration franchise is $150,000, with the middle 80% of loans between $110,000 and $488,700. 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 Rainbow Restoration franchises?

By dollars approved, the most active SBA lenders for Rainbow Restoration have been United Midwest Savings Bank, Live Oak Banking Company, Business Expansion Funding Corporation, First 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 Rainbow Restoration 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 Rainbow Restoration franchise

SBA lenders have approved 135 loans against the Rainbow Restoration brand since FY2010, totalling $39.9M. The median approval was $150,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#135

of 1,651 brands

Loans approved

135

FY2010 onward

Median loan

$150,000

Typical range

$110K-$489K

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 Rainbow Restoration

Lender	Loans	Approved
United Midwest Savings Bank	82	$14.7M
Live Oak Banking Company	18	$5.8M
Business Expansion Funding Corporation	1	$3.7M
First Bank	2	$3.0M
Capital Bank	1	$1.4M
BankUnited	1	$1.1M
Wells Fargo Bank	1	$1.1M
First Merchants Bank	1	$1.0M

Geography

Where Rainbow Restoration units were financed

State	Loans	Share
California	23
Texas	18
Virginia	14
North Carolina	5
Alabama	5
Ohio	5
Michigan	4
Maryland	4

Approvals by fiscal year

’11

’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
3%
$50K - $150K
9%
$150K - $350K
70%
$350K - $1M
13%
$1M - $2M
3%
Over $2M
1%

Financing a Rainbow Restoration: common questions

How much do lenders finance for a Rainbow Restoration franchise?: The median SBA loan approved for a Rainbow Restoration franchise is $150,000, with the middle 80% of loans between $110,000 and $488,700. 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 Rainbow Restoration franchises?: By dollars approved, the most active SBA lenders for Rainbow Restoration have been United Midwest Savings Bank, Live Oak Banking Company, Business Expansion Funding Corporation, First 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 Rainbow Restoration 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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