10 SBA loans have financed Quaker Steak And Lube locations since 1996, written by 9 different lenders across 8 states. Half were approved for $997K or less, the mix is 504-heavy, and 70% 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.