74 SBA loans have financed 1-800-Radiator locations since 2005, written by 33 different lenders across 28 states. Half were approved for $179K or less, the mix is almost entirely 7(a), and 47% went to owners whose business was under two years old.
A lender that has already underwritten this brand knows the unit economics, the build-out costs, and the franchisor. That is worth more to you than a bigger bank starting from scratch.