33 SBA loans have financed One-Hour Moto Photo locations since 1991, written by 19 different lenders across 15 states. Half were approved for $112K or less, the mix is almost entirely 7(a), and 45% 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.