How much do lenders finance for a Schlotzsky's Sandwich Shop franchise?

The median SBA loan approved for a Schlotzsky's Sandwich Shop franchise is $542,000, with the middle 80% of loans between $365,000 and $907,500. 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 Schlotzsky's Sandwich Shop franchises?

By dollars approved, the most active SBA lenders for Schlotzsky's Sandwich Shop have been Simmons Bank, Capital Certified Development Corporation, Southern Bank, Traditional Bank Inc. 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 Schlotzsky's Sandwich Shop SBA loans?

The median term is 10.5 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 Schlotzsky's Sandwich Shop franchise

SBA lenders have approved 20 loans against the Schlotzsky's Sandwich Shop brand since FY2010, totalling $12.6M. The median approval was $542,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#964

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$542,000

Typical range

$365K-$908K

Middle 80% of loans

Median term

10.5 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 Schlotzsky's Sandwich Shop

Lender	Loans	Approved
Simmons Bank	3	$2.2M
Capital Certified Development Corporation	2	$1.4M
Southern Bank	1	$1.3M
Traditional Bank Inc	1	$908K
Dakota Business Lending	1	$894K
Greater East Texas Certified Development Company	1	$828K
JPMorgan Chase Bank	2	$691K
Liberty Capital Bank	1	$600K

Geography

Where Schlotzsky's Sandwich Shop units were financed

State	Loans	Share
Texas	14
Oklahoma	1
North Dakota	1
Kentucky	1
Arizona	1
Louisiana	1
Kansas	1

Approvals by fiscal year

’10

’11

’12

’13

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
10%
$350K - $1M
80%
$1M - $2M
10%

Financing a Schlotzsky's Sandwich Shop: common questions

How much do lenders finance for a Schlotzsky's Sandwich Shop franchise?: The median SBA loan approved for a Schlotzsky's Sandwich Shop franchise is $542,000, with the middle 80% of loans between $365,000 and $907,500. 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 Schlotzsky's Sandwich Shop franchises?: By dollars approved, the most active SBA lenders for Schlotzsky's Sandwich Shop have been Simmons Bank, Capital Certified Development Corporation, Southern Bank, Traditional Bank Inc. 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 Schlotzsky's Sandwich Shop SBA loans?: The median term is 10.5 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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