How much do lenders finance for a Sign-a-rama franchise?

The median SBA loan approved for a Sign-a-rama franchise is $75,000, with the middle 80% of loans between $25,000 and $570,600. 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 Sign-a-rama franchises?

By dollars approved, the most active SBA lenders for Sign-a-rama have been U.S. Bank, Achieva CU, JPMorgan Chase Bank, PNC 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 Sign-a-rama SBA loans?

The median term is 8.5 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 Sign-a-rama franchise

SBA lenders have approved 19 loans against the Sign-a-rama brand since FY2010, totalling $3.3M. The median approval was $75,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#995

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$75,000

Typical range

$25K-$571K

Middle 80% of loans

Median term

8.5 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 Sign-a-rama

Lender	Loans	Approved
U.S. Bank	2	$1.2M
Achieva CU	1	$571K
JPMorgan Chase Bank	3	$285K
PNC Bank	2	$273K
MutualOne Bank	2	$200K
Small Business Access Partners, Inc.	1	$197K
Certified Development Corporation of South Carolina	1	$142K
First Financial Bank	1	$125K

Geography

Where Sign-a-rama units were financed

State	Loans	Share
Illinois	4
Arizona	2
Kentucky	2
Massachusetts	2
Georgia	1
South Carolina	1
Tennessee	1
Michigan	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

Under $50K
21%
$50K - $150K
47%
$150K - $350K
16%
$350K - $1M
16%

Financing a Sign-a-rama: common questions

How much do lenders finance for a Sign-a-rama franchise?: The median SBA loan approved for a Sign-a-rama franchise is $75,000, with the middle 80% of loans between $25,000 and $570,600. 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 Sign-a-rama franchises?: By dollars approved, the most active SBA lenders for Sign-a-rama have been U.S. Bank, Achieva CU, JPMorgan Chase Bank, PNC 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 Sign-a-rama SBA loans?: The median term is 8.5 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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