321 SBA loans have financed Planet Beach locations since 2000, written by 57 different lenders across 37 states. Half were approved for $201K or less, the mix is almost entirely 7(a), and 87% 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.