How much do lenders finance for a Rush Cycle franchise?

The median SBA loan approved for a Rush Cycle franchise is $320,700, with the middle 80% of loans between $243,700 and $463,000. 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 Rush Cycle franchises?

By dollars approved, the most active SBA lenders for Rush Cycle have been Simmons Bank, Wells Fargo Bank, Midwest Regional Bank, Avidia 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 Rush Cycle SBA loans?

The median term is 7.4 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 Rush Cycle franchise

SBA lenders have approved 15 loans against the Rush Cycle brand since FY2010, totalling $4.8M. The median approval was $320,700. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1213

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$320,700

Typical range

$244K-$463K

Middle 80% of loans

Median term

7.4 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 Rush Cycle

Lender	Loans	Approved
Simmons Bank	5	$1.4M
Wells Fargo Bank	4	$1.3M
Midwest Regional Bank	2	$828K
Avidia Bank	1	$500K
United Community Bank	1	$390K
Plains State Bank	1	$248K
Wallis Bank	1	$142K

Geography

Where Rush Cycle units were financed

State	Loans	Share
Texas	6
California	5
North Carolina	1
Utah	1
Florida	1
Massachusetts	1

Approvals by fiscal year

’18

’19

’20

’22

’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

$50K - $150K
7%
$150K - $350K
60%
$350K - $1M
33%

Financing a Rush Cycle: common questions

How much do lenders finance for a Rush Cycle franchise?: The median SBA loan approved for a Rush Cycle franchise is $320,700, with the middle 80% of loans between $243,700 and $463,000. 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 Rush Cycle franchises?: By dollars approved, the most active SBA lenders for Rush Cycle have been Simmons Bank, Wells Fargo Bank, Midwest Regional Bank, Avidia 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 Rush Cycle SBA loans?: The median term is 7.4 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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