How much do lenders finance for a Restoration 1 franchise?

The median SBA loan approved for a Restoration 1 franchise is $150,000, with the middle 80% of loans between $45,600 and $432,000. That is the financed portion only - it excludes the buyer's equity injection. SBA lenders typically want that injection at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Restoration 1 franchises?

By dollars approved, the most active SBA lenders for Restoration 1 have been United Midwest Savings Bank, Newtek Small Business Finance, Inc., Live Oak Banking Company, City National Bank. Many franchise brands also maintain their own preferred-lender lists, and those may differ from who has historically approved the most volume.

How long are Restoration 1 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.

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Franchise financing

Financing a Restoration 1 franchise

SBA lenders have approved 94 loans against the Restoration 1 brand since FY2010, totalling $23.8M. The median approval was $150,000, counted from loans lenders approved rather than projections in a disclosure document.

Rank by loan count

#223

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$150,000

Typical range

$46K-$432K

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 Restoration 1

Lender	Loans	Approved
United Midwest Savings Bank	29	$4.8M
Newtek Small Business Finance, Inc.	2	$4.0M
Live Oak Banking Company	8	$2.1M
City National Bank	1	$2.0M
Readycap Lending, LLC	4	$1.7M
B:Side Capital	2	$1.7M
The Huntington National Bank	11	$1.0M
Michigan Certified Development Corporation	1	$916K

Geography

Where Restoration 1 units were financed

State	Loans	Share
California	10
Ohio	9
Michigan	7
Texas	7
New York	6
Colorado	5
Virginia	4
Mississippi	4

The industry codes most often recorded on Restoration 1 loans: Remediation Services (562910), Residential Remodelers (236118), All Other Specialty Trade Contractors (238990). Each industry page lists the lenders and other brands in the same line of business.

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
11%
$50K - $150K
26%
$150K - $350K
50%
$350K - $1M
11%
$1M - $2M
2%
Over $2M
1%

Financing a franchise unit

Guidant Financial

Funds business and franchise buyers through 401(k) rollovers (ROBS), SBA loans, and portfolio lending, often combining them in one structure. Rollover structures are common among franchise buyers because they can supply the equity injection an SBA loan requires without taking on a second loan to do it.

Check options with Guidant Financial

Approved referral partner. We may be paid when a reader we refer starts an application. It changes nothing about the figures on this page. Those come from the SBA’s federal file.

An SBA 7(a) lender

An SBA 7(a) lender and marketplace for loans up to $500,000, plus bank term loans and custom financing. You apply on their site - we do not take applications and never see your information.

Check options with SmartBiz

We may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.

Financing a Restoration 1: common questions

How much do lenders finance for a Restoration 1 franchise?: The median SBA loan approved for a Restoration 1 franchise is $150,000, with the middle 80% of loans between $45,600 and $432,000. That is the financed portion only - it excludes the buyer's equity injection. SBA lenders typically want that injection at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Restoration 1 franchises?: By dollars approved, the most active SBA lenders for Restoration 1 have been United Midwest Savings Bank, Newtek Small Business Finance, Inc., Live Oak Banking Company, City National Bank. Many franchise brands also maintain their own preferred-lender lists, and those may differ from who has historically approved the most volume.
How long are Restoration 1 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.

SBA lenders for franchises

Lenders ranked by franchise loans made, with the brands each one financed.

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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