Franchise financing
American Family Care/AFC Urgent Care f/k/a Doctor's Express franchise financing
What it costs to finance a American Family Care/AFC Urgent Care f/k/a Doctor's Express franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 131
- Total funded
- $146.7M
- Median loan
- $1.2M
- 7(a) charge-off
- 0.8%
What financing a American Family Care/AFC Urgent Care f/k/a Doctor's Express franchise costs
The median SBA loan to a American Family Care/AFC Urgent Care f/k/a Doctor's Express franchisee is $1.2M, and the middle half of American Family Care/AFC Urgent Care f/k/a Doctor's Express's 131 loans run $350K to $1.5M (average $1.1M). Across all SBA-financed franchises the median loan is $350K. American Family Care/AFC Urgent Care f/k/a Doctor's Express buyers borrow more than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median American Family Care/AFC Urgent Care f/k/a Doctor's Express loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 130 American Family Care/AFC Urgent Care f/k/a Doctor's Express loans where the SBA recorded a business age, 80.8% went to new businesses two years old or younger. The rest funded existing operations.
How to finance American Family Care/AFC Urgent Care f/k/a Doctor's Express
American Family Care/AFC Urgent Care f/k/a Doctor's Express franchisees have financed with 131 SBA loans since FY2010, averaging $1.1M each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (129 of the 131 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
American Family Care/AFC Urgent Care f/k/a Doctor's Express's 7(a) charge-off rate is 0.8% across 129 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance American Family Care/AFC Urgent Care f/k/a Doctor's Express
By SBA loan count
- 1. Citizens Bank 19
- 2. United Community Bank 17
- 3. Webster Bank National Association 17
- 4. The Huntington National Bank 21
- 5. First Business Bank 4
- 6. Customers Bank 9
- 7. LendingClub Bank, National Association 6
- 8. TD Bank, National Association 4
Get matched to a American Family Care/AFC Urgent Care f/k/a Doctor's Express lender →
Where American Family Care/AFC Urgent Care f/k/a Doctor's Express gets funded
Top states by loan count
- 1. California 20
- 2. New Jersey 23
- 3. North Carolina 12
- 4. Colorado 8
- 5. Pennsylvania 17
- 6. Virginia 9
- 7. Florida 10
- 8. New York 8
Financing a American Family Care/AFC Urgent Care f/k/a Doctor's Express?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
American Family Care/AFC Urgent Care f/k/a Doctor's Express SBA financing FAQ
How much does a American Family Care/AFC Urgent Care f/k/a Doctor's Express franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a American Family Care/AFC Urgent Care f/k/a Doctor's Express franchisee is $1.2M, and the middle half of American Family Care/AFC Urgent Care f/k/a Doctor's Express's 131 loans run $350K to $1.5M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of American Family Care/AFC Urgent Care f/k/a Doctor's Express's franchise disclosure document.
Can you use an SBA loan for American Family Care/AFC Urgent Care f/k/a Doctor's Express?
Yes. Lenders have funded 131 SBA loans to American Family Care/AFC Urgent Care f/k/a Doctor's Express franchisees, worth $146.7M in all, so American Family Care/AFC Urgent Care f/k/a Doctor's Express is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for American Family Care/AFC Urgent Care f/k/a Doctor's Express?
The data says yes: of American Family Care/AFC Urgent Care f/k/a Doctor's Express's 130 SBA loans that record a business age, 80.8% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance American Family Care/AFC Urgent Care f/k/a Doctor's Express?
By loan count, the most active SBA lenders for American Family Care/AFC Urgent Care f/k/a Doctor's Express are Citizens Bank, United Community Bank, Webster Bank National Association, among others. A lender already active with your brand often moves faster.
What is American Family Care/AFC Urgent Care f/k/a Doctor's Express's SBA charge-off rate?
Across American Family Care/AFC Urgent Care f/k/a Doctor's Express's 129 SBA 7(a) loans, 0.8% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits American Family Care/AFC Urgent Care f/k/a Doctor's Express?
Mostly 7(a): 129 of American Family Care/AFC Urgent Care f/k/a Doctor's Express's 131 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median American Family Care/AFC Urgent Care f/k/a Doctor's Express loan term is 10 years.