18 SBA loans have financed Hardee's locations since 2014, written by 12 different lenders across 8 states. Half were approved for $933K or less, the mix is 504-heavy, and 17% 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.