4 SBA loans have financed Kneaders Bakery & Café locations since 2013, written by 1 different lenders across 3 states. Half were approved for $698K or less, the mix is 504-heavy, and 0% 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.