How much do lenders finance for a Signs by Tomorrow franchise?

The median SBA loan approved for a Signs by Tomorrow franchise is $224,250, with the middle 80% of loans between $25,000 and $585,000. 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 Signs by Tomorrow franchises?

By dollars approved, the most active SBA lenders for Signs by Tomorrow have been TD Bank, Live Oak Banking Company, Beacon Bank and Trust, Wings Credit Union. 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 Signs by Tomorrow 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 Signs by Tomorrow franchise

SBA lenders have approved 32 loans against the Signs by Tomorrow brand since FY2010, totalling $8.3M. The median approval was $224,250. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#684

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$224,250

Typical range

$25K-$585K

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 Signs by Tomorrow

Lender	Loans	Approved
TD Bank	2	$660K
Live Oak Banking Company	1	$655K
Beacon Bank and Trust	1	$630K
Wings Credit Union	2	$618K
JPMorgan Chase Bank	1	$590K
Wilmington Savings Fund Society	2	$584K
The Huntington National Bank	3	$501K
Glacier Bank	2	$431K

Geography

Where Signs by Tomorrow units were financed

State	Loans	Share
Wisconsin	5
Michigan	4
Washington	4
Texas	3
California	3
New Jersey	3
Florida	2
Idaho	2

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’17

’19

’20

’21

’22

’23

’24

’25

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
13%
$50K - $150K
22%
$150K - $350K
38%
$350K - $1M
28%

Financing a Signs by Tomorrow: common questions

How much do lenders finance for a Signs by Tomorrow franchise?: The median SBA loan approved for a Signs by Tomorrow franchise is $224,250, with the middle 80% of loans between $25,000 and $585,000. 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 Signs by Tomorrow franchises?: By dollars approved, the most active SBA lenders for Signs by Tomorrow have been TD Bank, Live Oak Banking Company, Beacon Bank and Trust, Wings Credit Union. 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 Signs by Tomorrow 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.

We are a publisher, not a lender or broker. We never take applications and are never paid by borrowers. Read the full disclosures.