How much do lenders finance for a USA Ninja Challenge franchise?

The median SBA loan approved for a USA Ninja Challenge franchise is $224,500, with the middle 80% of loans between $30,000 and $948,100. 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 USA Ninja Challenge franchises?

By dollars approved, the most active SBA lenders for USA Ninja Challenge have been Celtic Bank Corporation, Citizens Bank, The Huntington National Bank, Simmons 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 USA Ninja Challenge 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 USA Ninja Challenge franchise

SBA lenders have approved 35 loans against the USA Ninja Challenge brand since FY2010, totalling $13.0M. The median approval was $224,500. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#647

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$224,500

Typical range

$30K-$948K

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 USA Ninja Challenge

Lender	Loans	Approved
Celtic Bank Corporation	3	$5.0M
Citizens Bank	3	$1.9M
The Huntington National Bank	10	$1.9M
Simmons Bank	3	$600K
Community Bank of Santa Maria	1	$454K
Magyar Bank	1	$400K
Magnifi Financial CU	1	$394K
River City Bank	1	$350K

Geography

Where USA Ninja Challenge units were financed

State	Loans	Share
Texas	9
Ohio	5
Georgia	3
California	3
Maryland	3
Virginia	2
Utah	2
Pennsylvania	2

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
11%
$50K - $150K
17%
$150K - $350K
37%
$350K - $1M
26%
$1M - $2M
9%

Financing a USA Ninja Challenge: common questions

How much do lenders finance for a USA Ninja Challenge franchise?: The median SBA loan approved for a USA Ninja Challenge franchise is $224,500, with the middle 80% of loans between $30,000 and $948,100. 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 USA Ninja Challenge franchises?: By dollars approved, the most active SBA lenders for USA Ninja Challenge have been Celtic Bank Corporation, Citizens Bank, The Huntington National Bank, Simmons 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 USA Ninja Challenge 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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