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The Business Ownership Show

The Business Ownership Show

How to Finance a Franchise with an SBA Loan - COMPLETE GUIDE

Jul 27, 2026 · 8 min · 14 segments

Thinking about buying a franchise with an SBA loan? Before you apply, there's one mistake that could cost you your approval. In this complete guide, Beau Eckstein explains how SBA franchise financing…

Thinking about buying a franchise with an SBA loan? Before you apply, there's one mistake that could cost you your approval. In this complete guide, Beau Eckstein explains how SBA franchise financing really works, why two lenders can make completely different decisions on the exact same deal, and what you can do to improve your chances of getting approved. You'll learn how the SBA 7(a) loan program finances franchise startups, what down payment you may need, how FranData influences lender decisions, what credit profile lenders look for, and the documents you'll need before applying. Whether you're buying your first franchise or expanding your business portfolio, this video will help you build the right financing strategy from day one.

Thinking about buying a franchise with an SBA loan? Before you apply, there's one mistake that could cost you your approval. In this complete guide, Beau Eckstein explains how SBA franchise financing…

Speakers: Beau EcksteinHost

Top entities: Small Business Administration×44 Success×2 Bank×2 Franchise disclosure document×2

Avoid One Costly Franchise Financing Mistake0:01 – 0:51

B

Beau EcksteinHost

0:01

If you're thinking about buying a franchise, don't make one very expensive mistake because I've seen the exact same franchise, the exact same borrower walk into one SBA lender and get declined, then walk into another SBA lender and get approved with only 10% down.

B

Beau EcksteinHost

0:19

So what's changed? The franchise didn't change.

B

Beau EcksteinHost

0:22

The borrower didn't change.

B

Beau EcksteinHost

0:24

The lender did.

B

Beau EcksteinHost

0:25

I've been helping people finance franchises and business acquisitions and real estate for 27 years plus.

B

Beau EcksteinHost

0:32

And today, I'm going to show you exactly how SBA franchise financing really works, how much money you need, what credit score lenders actually want, how FranData affects approvals, why some lenders love certain franchises, and the biggest mistakes that kill franchises.

B

Beau EcksteinHost

0:48

deals before they ever get funded.

B

Beau EcksteinHost

0:50

Now let's get into it.

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Small Business AdministrationGovernment OrganizationGovernment agency
88%44 mentions
SuccessEntity
63%2 mentions
BankEntityBuilding function
38%2 mentions
Franchise disclosure documentEntity
13%2 mentions

FinanceBusiness
LoansBusiness > Finance
FranchisingBusiness
Startup CostsBusiness > Finance
Franchise TypesBusiness > Franchising
SBA LoansBusiness > Finance > Loans
Franchisee PerformanceBusiness > Franchising > Franchise Operations
Franchise OperationsBusiness > Franchising
Business
Lending ProcessBusiness > Finance
Franchise FinancingBusiness > Finance > Loans > SBA Loans
SBA Approved FranchisesBusiness > Franchising > Franchise Types
Franchise DirectoryBusiness > Franchising > Franchise Types > SBA Approved Franchises
Lender EvaluationBusiness > Finance > Lending Process
Credit ScoresBusiness > Finance > Lending Process > Lender Evaluation
Equity InjectionBusiness > Finance > Startup Costs
Down Payment RequirementsBusiness > Finance > Startup Costs > Equity Injection
Franchise Success FactorsBusiness > Franchising > Franchise Operations > Franchisee Performance

Avoid One Costly Franchise Financing Mistake0:01 – 0:51

B

Beau EcksteinHost

0:01

If you're thinking about buying a franchise, don't make one very expensive mistake because I've seen the exact same franchise, the exact same borrower walk into one SBA lender and get declined, then walk into another SBA lender and get approved with only 10% down.

B

Beau EcksteinHost

0:19

So what's changed? The franchise didn't change.

B

Beau EcksteinHost

0:22

The borrower didn't change.

B

Beau EcksteinHost

0:24

The lender did.

B

Beau EcksteinHost

0:25

I've been helping people finance franchises and business acquisitions and real estate for 27 years plus.

B

Beau EcksteinHost

0:32

And today, I'm going to show you exactly how SBA franchise financing really works, how much money you need, what credit score lenders actually want, how FranData affects approvals, why some lenders love certain franchises, and the biggest mistakes that kill franchises.

B

Beau EcksteinHost

0:48

deals before they ever get funded.

B

Beau EcksteinHost

0:50

Now let's get into it.