17 SBA loans have financed Sparkle Wash locations since 1993, written by 11 different lenders across 11 states. Half were approved for $50K or less, the mix is almost entirely 7(a), and 35% 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.