13 SBA loans have financed Kia Dealer Sales and Service Agreement locations since 2020, written by 11 different lenders across 7 states. Half were approved for $1.2M or less, the mix is 504-heavy, and 8% 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.