6 SBA loans have financed Toyota locations since 1993, written by 6 different lenders across 6 states. Half were approved for $350K or less, the mix is 504-heavy, and 17% 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.