8 SBA loans have financed Oil & Vinegar locations since 2006, written by 5 different lenders across 4 states. Half were approved for $189K or less, the mix is almost entirely 7(a), and 63% 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.