10 SBA loans have financed B.c. Pizza locations since 1997, written by 7 different lenders across 1 states. Half were approved for $145K or less, the mix is almost entirely 7(a), and 10% 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.