How much do lenders finance for a Raining Berries franchise?

The median SBA loan approved for a Raining Berries franchise is $567,000, with the middle 80% of loans between $350,000 and $806,000. 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 Raining Berries franchises?

By dollars approved, the most active SBA lenders for Raining Berries have been Renasant Bank, Amerant Bank, Gulfside Bank, Central 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 Raining Berries SBA loans?

The median term is 10.3 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 Raining Berries franchise

SBA lenders have approved 11 loans against the Raining Berries brand since FY2010, totalling $6.5M. The median approval was $567,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1511

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$567,000

Typical range

$350K-$806K

Middle 80% of loans

Median term

10.3 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 Raining Berries

Lender	Loans	Approved
Renasant Bank	5	$3.4M
Amerant Bank	1	$984K
Gulfside Bank	2	$910K
Central Bank	2	$817K
Sunshine State Economic Development Corporation	1	$350K

Geography

Where Raining Berries units were financed

State	Loans	Share
Florida	11

Approvals by fiscal year

’21

’22

’23

’24

’25

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

$150K - $350K
9%
$350K - $1M
91%

Financing a Raining Berries: common questions

How much do lenders finance for a Raining Berries franchise?: The median SBA loan approved for a Raining Berries franchise is $567,000, with the middle 80% of loans between $350,000 and $806,000. 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 Raining Berries franchises?: By dollars approved, the most active SBA lenders for Raining Berries have been Renasant Bank, Amerant Bank, Gulfside Bank, Central 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 Raining Berries SBA loans?: The median term is 10.3 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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