How much do lenders finance for a Security 101 franchise?

The median SBA loan approved for a Security 101 franchise is $150,000, with the middle 80% of loans between $106,500 and $213,400. 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 Security 101 franchises?

By dollars approved, the most active SBA lenders for Security 101 have been United Midwest Savings Bank, Stearns Bank, Deerwood Bank, The Huntington 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 Security 101 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 Security 101 franchise

SBA lenders have approved 10 loans against the Security 101 brand since FY2010, totalling $1.6M. The median approval was $150,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1592

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$150,000

Typical range

$107K-$213K

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 Security 101

Lender	Loans	Approved
United Midwest Savings Bank	4	$590K
Stearns Bank	2	$533K
Deerwood Bank	1	$200K
The Huntington National Bank	1	$166K
Banc of California	1	$107K
Manufacturers and Traders Trust Company	1	$50K

Geography

Where Security 101 units were financed

State	Loans	Share
California	2
Pennsylvania	1
Missouri	1
Illinois	1
Texas	1
New York	1
Washington	1
Maryland	1

Approvals by fiscal year

’14

’16

’19

’20

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
30%
$150K - $350K
70%

Financing a Security 101: common questions

How much do lenders finance for a Security 101 franchise?: The median SBA loan approved for a Security 101 franchise is $150,000, with the middle 80% of loans between $106,500 and $213,400. 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 Security 101 franchises?: By dollars approved, the most active SBA lenders for Security 101 have been United Midwest Savings Bank, Stearns Bank, Deerwood Bank, The Huntington 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 Security 101 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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