162 SBA loans have financed Am locations since 2006, written by 45 different lenders across 7 states. Half were approved for $2.3M or less, the mix is a mix of 7(a) and 504, and 27% 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.