328 SBA loans have financed Scooter's Coffee locations since 2016, written by 83 different lenders across 32 states. Half were approved for $913K or less, the mix is almost entirely 7(a), and 83% 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.