29 SBA loans have financed Kilwin's Chocolates locations since 1991, written by 14 different lenders across 8 states. Half were approved for $202K or less, the mix is almost entirely 7(a), and 69% 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.