10 SBA loans have financed The Tox locations since 2025, written by 4 different lenders across 8 states. Half were approved for $312K or less, the mix is almost entirely 7(a), and 90% 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.