How much do lenders finance for a Smash My Trash franchise?

The median SBA loan approved for a Smash My Trash franchise is $324,000, with the middle 80% of loans between $100,000 and $660,000. 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 Smash My Trash franchises?

By dollars approved, the most active SBA lenders for Smash My Trash have been Beacon Bank and Trust, Ameris Bank, The Huntington National Bank, Old 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 Smash My Trash 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 Smash My Trash franchise

SBA lenders have approved 109 loans against the Smash My Trash brand since FY2010, totalling $42.9M. The median approval was $324,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#181

of 1,651 brands

Loans approved

109

FY2010 onward

Median loan

$324,000

Typical range

$100K-$660K

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 Smash My Trash

Lender	Loans	Approved
Beacon Bank and Trust	6	$4.8M
Ameris Bank	8	$3.9M
The Huntington National Bank	17	$3.9M
Old National Bank	7	$3.8M
Zions Bank, A Division of	1	$2.0M
Live Oak Banking Company	2	$1.8M
United Community Bank	4	$1.2M
Renasant Bank	2	$1.2M

Geography

Where Smash My Trash units were financed

State	Loans	Share
California	15
Georgia	13
Florida	10
Ohio	10
Massachusetts	8
Texas	6
Michigan	4
Indiana	4

Approvals by fiscal year

’19

’20

’21

’22

’23

’25

’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

Under $50K
4%
$50K - $150K
10%
$150K - $350K
40%
$350K - $1M
42%
$1M - $2M
4%

Financing a Smash My Trash: common questions

How much do lenders finance for a Smash My Trash franchise?: The median SBA loan approved for a Smash My Trash franchise is $324,000, with the middle 80% of loans between $100,000 and $660,000. 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 Smash My Trash franchises?: By dollars approved, the most active SBA lenders for Smash My Trash have been Beacon Bank and Trust, Ameris Bank, The Huntington National Bank, Old 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 Smash My Trash 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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