11 SBA loans have financed Ace Cash Express locations since 1997, written by 8 different lenders across 8 states. Half were approved for $126K or less, the mix is almost entirely 7(a), and 82% 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.