25 SBA loans have financed Nestle Toll House By Chip locations since 2000, written by 20 different lenders across 12 states. Half were approved for $175K or less, the mix is almost entirely 7(a), and 64% 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.