41 SBA loans have financed The Spice & Tea Exchange locations since 2013, written by 17 different lenders across 24 states. Half were approved for $232K or less, the mix is almost entirely 7(a), and 98% 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.