3 SBA loans have financed Winans Fine Chocolates & Coffees locations since 2014, written by 2 different lenders across 2 states. Half were approved for $99K or less, the mix is a mix of 7(a) and 504, and 100% 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.