How much do lenders finance for a Sit Means Sit franchise?

The median SBA loan approved for a Sit Means Sit franchise is $458,000, with the middle 80% of loans between $100,000 and $967,000. 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 Sit Means Sit franchises?

By dollars approved, the most active SBA lenders for Sit Means Sit have been Wells Fargo Bank, The Huntington National Bank, CDC Small Business Finance Corp., B:Side Capital. 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 Sit Means Sit SBA loans?

The median term is 20 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 Sit Means Sit franchise

SBA lenders have approved 13 loans against the Sit Means Sit brand since FY2010, totalling $6.8M. The median approval was $458,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1301

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$458,000

Typical range

$100K-$967K

Middle 80% of loans

Median term

20 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 Sit Means Sit

Lender	Loans	Approved
Wells Fargo Bank	2	$1.6M
The Huntington National Bank	2	$1.4M
CDC Small Business Finance Corp.	2	$1.1M
B:Side Capital	1	$956K
Centerstone SBA Lending, Inc.	1	$840K
Live Oak Banking Company	1	$200K
Capital Partners Certified Development Company	1	$196K
Florida Business Development Corporation	1	$143K

Geography

Where Sit Means Sit units were financed

State	Loans	Share
Colorado	2
California	2
Texas	2
Florida	1
Georgia	1
Michigan	1
South Carolina	1
Idaho	1

Approvals by fiscal year

’16

’17

’21

’22

’23

’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
31%
$150K - $350K
15%
$350K - $1M
46%
$1M - $2M
8%

Financing a Sit Means Sit: common questions

How much do lenders finance for a Sit Means Sit franchise?: The median SBA loan approved for a Sit Means Sit franchise is $458,000, with the middle 80% of loans between $100,000 and $967,000. 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 Sit Means Sit franchises?: By dollars approved, the most active SBA lenders for Sit Means Sit have been Wells Fargo Bank, The Huntington National Bank, CDC Small Business Finance Corp., B:Side Capital. 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 Sit Means Sit SBA loans?: The median term is 20 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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