How much do lenders finance for a Tide Dry Cleaners franchise?

The median SBA loan approved for a Tide Dry Cleaners franchise is $536,500, with the middle 80% of loans between $257,000 and $1,341,000. 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 Tide Dry Cleaners franchises?

By dollars approved, the most active SBA lenders for Tide Dry Cleaners have been First Citizens Bank, TD Bank, Pinnacle Bank, First Merchants 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 Tide Dry Cleaners SBA loans?

The median term is 10.3 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 Tide Dry Cleaners franchise

SBA lenders have approved 34 loans against the Tide Dry Cleaners brand since FY2010, totalling $22.7M. The median approval was $536,500. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#656

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$536,500

Typical range

$257K-$1.3M

Middle 80% of loans

Median term

10.3 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 Tide Dry Cleaners

Lender	Loans	Approved
First Citizens Bank	6	$3.8M
TD Bank	2	$3.5M
Pinnacle Bank	2	$2.2M
First Merchants Bank	2	$2.1M
Mountain West Small Business Finance	6	$2.0M
Celtic Bank Corporation	3	$1.6M
22nd State Bank, A Division of 22nd State Banking Company	1	$1.2M
Business Expansion Funding Corporation	2	$1.1M

Geography

Where Tide Dry Cleaners units were financed

State	Loans	Share
Minnesota	7
Michigan	4
Nevada	3
Maryland	3
Utah	2
South Carolina	2
Arizona	2
Tennessee	2

Approvals by fiscal year

’15

’16

’17

’18

’19

’20

’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

$50K - $150K
3%
$150K - $350K
24%
$350K - $1M
53%
$1M - $2M
21%

Financing a Tide Dry Cleaners: common questions

How much do lenders finance for a Tide Dry Cleaners franchise?: The median SBA loan approved for a Tide Dry Cleaners franchise is $536,500, with the middle 80% of loans between $257,000 and $1,341,000. 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 Tide Dry Cleaners franchises?: By dollars approved, the most active SBA lenders for Tide Dry Cleaners have been First Citizens Bank, TD Bank, Pinnacle Bank, First Merchants 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 Tide Dry Cleaners SBA loans?: The median term is 10.3 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.