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, which SBA lenders typically require 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 lists of preferred lenders, which 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.

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. These are loans that actually closed - not projections from 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

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 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, which SBA lenders typically require 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 lists of preferred lenders, which 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.

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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