How much do lenders finance for a Stretch Lab franchise?

The median SBA loan approved for a Stretch Lab franchise is $258,000, with the middle 80% of loans between $30,000 and $380,000. 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 Stretch Lab franchises?

By dollars approved, the most active SBA lenders for Stretch Lab have been The Huntington National Bank, Five Star Bank, Stearns Bank, National Bank of Commerce. 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 Stretch Lab 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 Stretch Lab franchise

SBA lenders have approved 144 loans against the Stretch Lab brand since FY2010, totalling $33.8M. The median approval was $258,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#123

of 1,651 brands

Loans approved

144

FY2010 onward

Median loan

$258,000

Typical range

$30K-$380K

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 Stretch Lab

Lender	Loans	Approved
The Huntington National Bank	53	$9.1M
Five Star Bank	6	$2.0M
Stearns Bank	8	$1.4M
National Bank of Commerce	3	$1.2M
Live Oak Banking Company	2	$1.1M
First Bank of the Lake	2	$993K
KeyBank	4	$985K
SouthState Bank	2	$955K

Geography

Where Stretch Lab units were financed

State	Loans	Share
California	21
Texas	16
Illinois	14
New York	14
Ohio	12
Colorado	8
Indiana	8
Michigan	8

Approvals by fiscal year

’18

’19

’20

’21

’22

’23

’24

’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
15%
$50K - $150K
10%
$150K - $350K
58%
$350K - $1M
17%

Financing a Stretch Lab: common questions

How much do lenders finance for a Stretch Lab franchise?: The median SBA loan approved for a Stretch Lab franchise is $258,000, with the middle 80% of loans between $30,000 and $380,000. 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 Stretch Lab franchises?: By dollars approved, the most active SBA lenders for Stretch Lab have been The Huntington National Bank, Five Star Bank, Stearns Bank, National Bank of Commerce. 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 Stretch Lab 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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