How much do lenders finance for a Thai Express franchise?

The median SBA loan approved for a Thai Express franchise is $373,000, with the middle 80% of loans between $219,100 and $554,700. 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 Thai Express franchises?

By dollars approved, the most active SBA lenders for Thai Express have been The Huntington National Bank, Seacoast National Bank, Stearns Bank, JPMorgan Chase 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 Thai Express SBA loans?

The median term is 9.6 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 Thai Express franchise

SBA lenders have approved 10 loans against the Thai Express brand since FY2010, totalling $3.8M. The median approval was $373,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1611

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$373,000

Typical range

$219K-$555K

Middle 80% of loans

Median term

9.6 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 Thai Express

Lender	Loans	Approved
The Huntington National Bank	2	$950K
Seacoast National Bank	1	$711K
Stearns Bank	2	$706K
JPMorgan Chase Bank	2	$630K
Georgia's Own Credit Union	1	$350K
CRF Small Business Loan Company, LLC	1	$275K
First Bank	1	$219K

Geography

Where Thai Express units were financed

State	Loans	Share
Arizona	3
Nevada	2
Florida	1
Georgia	1
Texas	1
North Carolina	1
Oregon	1

Approvals by fiscal year

’17

’18

’19

’20

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
10%
$150K - $350K
30%
$350K - $1M
60%

Financing a Thai Express: common questions

How much do lenders finance for a Thai Express franchise?: The median SBA loan approved for a Thai Express franchise is $373,000, with the middle 80% of loans between $219,100 and $554,700. 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 Thai Express franchises?: By dollars approved, the most active SBA lenders for Thai Express have been The Huntington National Bank, Seacoast National Bank, Stearns Bank, JPMorgan Chase 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 Thai Express SBA loans?: The median term is 9.6 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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