How much do lenders finance for a U.S. Lawns franchise?

The median SBA loan approved for a U.S. Lawns franchise is $150,000, with the middle 80% of loans between $25,000 and $1,030,000. 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 U.S. Lawns franchises?

By dollars approved, the most active SBA lenders for U.S. Lawns have been The Bancorp Bank, Bank of America, Pinnacle Bank, First Internet Bank of Indiana. 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 U.S. Lawns 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 U.S. Lawns franchise

SBA lenders have approved 66 loans against the U.S. Lawns brand since FY2010, totalling $28.8M. The median approval was $150,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#333

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$150,000

Typical range

$25K-$1.0M

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 U.S. Lawns

Lender	Loans	Approved
The Bancorp Bank	8	$6.9M
Bank of America	1	$3.7M
Pinnacle Bank	3	$3.0M
First Internet Bank of Indiana	2	$2.7M
U.S. Bank	4	$1.6M
OptimumBank	1	$1.3M
Beacon Bank and Trust	2	$1.2M
BayFirst National Bank	3	$1.1M

Geography

Where U.S. Lawns units were financed

State	Loans	Share
Florida	13
Kentucky	6
Texas	5
Virginia	4
Maryland	3
Missouri	3
South Carolina	3
North Carolina	3

Approvals by fiscal year

’12

’14

’15

’16

’17

’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
14%
$50K - $150K
27%
$150K - $350K
24%
$350K - $1M
24%
$1M - $2M
6%
Over $2M
5%

Financing a U.S. Lawns: common questions

How much do lenders finance for a U.S. Lawns franchise?: The median SBA loan approved for a U.S. Lawns franchise is $150,000, with the middle 80% of loans between $25,000 and $1,030,000. 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 U.S. Lawns franchises?: By dollars approved, the most active SBA lenders for U.S. Lawns have been The Bancorp Bank, Bank of America, Pinnacle Bank, First Internet Bank of Indiana. 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 U.S. Lawns 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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