How much do lenders finance for a Sugar Llamas franchise?

The median SBA loan approved for a Sugar Llamas franchise is $291,750, with the middle 80% of loans between $132,600 and $450,000. 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 Sugar Llamas franchises?

By dollars approved, the most active SBA lenders for Sugar Llamas have been First Fidelity Bank, SpiritBank, Celtic Bank Corporation, Newtek 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 Sugar Llamas 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 Sugar Llamas franchise

SBA lenders have approved 14 loans against the Sugar Llamas brand since FY2010, totalling $4.1M. The median approval was $291,750. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1286

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$291,750

Typical range

$133K-$450K

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 Sugar Llamas

Lender	Loans	Approved
First Fidelity Bank	3	$736K
SpiritBank	2	$612K
Celtic Bank Corporation	1	$476K
Newtek Bank	1	$450K
Equity Bank	1	$406K
Arvest Bank	1	$346K
American Bank and Trust Company	1	$298K
All Capital Bank	2	$281K

Geography

Where Sugar Llamas units were financed

State	Loans	Share
Oklahoma	5
Texas	4
Kansas	2
Arkansas	2
Florida	1

Approvals by fiscal year

’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

$50K - $150K
14%
$150K - $350K
64%
$350K - $1M
21%

Financing a Sugar Llamas: common questions

How much do lenders finance for a Sugar Llamas franchise?: The median SBA loan approved for a Sugar Llamas franchise is $291,750, with the middle 80% of loans between $132,600 and $450,000. 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 Sugar Llamas franchises?: By dollars approved, the most active SBA lenders for Sugar Llamas have been First Fidelity Bank, SpiritBank, Celtic Bank Corporation, Newtek 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 Sugar Llamas 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.