330 SBA loans have financed Sport Clips locations since 2009, written by 37 different lenders across 38 states. Half were approved for $217K or less, the mix is almost entirely 7(a), and 53% 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.