134 SBA loans have financed Church's Fried Chicken locations since 1990, written by 68 different lenders across 20 states. Half were approved for $340K or less, the mix is a mix of 7(a) and 504, and 39% 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.