How much do lenders finance for a Row House franchise?

The median SBA loan approved for a Row House franchise is $330,000, with the middle 80% of loans between $124,900 and $512,800. 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 Row House franchises?

By dollars approved, the most active SBA lenders for Row House have been Stearns Bank, Ameris Bank, Simmons Bank, Beacon Bank and Trust. 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 Row House 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 Row House franchise

SBA lenders have approved 55 loans against the Row House brand since FY2010, totalling $17.7M. The median approval was $330,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#415

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$330,000

Typical range

$125K-$513K

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 Row House

Lender	Loans	Approved
Stearns Bank	8	$2.3M
Ameris Bank	4	$2.1M
Simmons Bank	7	$1.9M
Beacon Bank and Trust	4	$1.1M
United Community Bank	2	$1.1M
JPMorgan Chase Bank	3	$943K
U.S. Bank	2	$920K
Midwest Regional Bank	2	$898K

Geography

Where Row House units were financed

State	Loans	Share
California	11
Texas	7
Virginia	6
Connecticut	4
Florida	4
Washington	3
Missouri	3
Colorado	3

Approvals by fiscal year

’18

’19

’20

’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
4%
$50K - $150K
7%
$150K - $350K
49%
$350K - $1M
40%

Financing a Row House: common questions

How much do lenders finance for a Row House franchise?: The median SBA loan approved for a Row House franchise is $330,000, with the middle 80% of loans between $124,900 and $512,800. 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 Row House franchises?: By dollars approved, the most active SBA lenders for Row House have been Stearns Bank, Ameris Bank, Simmons Bank, Beacon Bank and Trust. 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 Row House 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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