5 SBA loans have financed Frost Oil Co. - Complete Contract of Sale locations since 2019, written by 5 different lenders across 2 states. Half were approved for $734K or less, the mix is a mix of 7(a) and 504, and 20% 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.