31 SBA loans have financed Zippy Shell locations since 2013, written by 4 different lenders across 17 states. Half were approved for $150K or less, the mix is almost entirely 7(a), and 74% 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.