Franchise financing
Big O Tires franchise financing
What it costs to finance a Big O Tires 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
- 174
- Total funded
- $152.7M
- Median loan
- $578K
- 7(a) charge-off
- 1.4%
What financing a Big O Tires franchise costs
The median SBA loan to a Big O Tires franchisee is $578K, and the middle half of Big O Tires's 174 loans run $316K to $1.2M (average $877K). Across all SBA-financed franchises the median loan is $350K. Big O Tires 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 Big O Tires loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 167 Big O Tires loans where the SBA recorded a business age, 27.5% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Big O Tires
Big O Tires franchisees have financed with 174 SBA loans since FY2010, averaging $877K each. Of those, 141 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 33 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Big O Tires's 7(a) charge-off rate is 1.4% across 141 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Big O Tires
By SBA loan count
Where Big O Tires gets funded
Top states by loan count
- 1. Utah 34
- 2. California 45
- 3. Colorado 26
- 4. Arizona 20
- 5. New Mexico 11
- 6. Nevada 7
- 7. Indiana 10
- 8. Nebraska 3
Financing a Big O Tires?
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.
Big O Tires SBA financing FAQ
How much does a Big O Tires franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Big O Tires franchisee is $578K, and the middle half of Big O Tires's 174 loans run $316K to $1.2M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Big O Tires's franchise disclosure document.
Can you use an SBA loan for Big O Tires?
Yes. Lenders have funded 174 SBA loans to Big O Tires franchisees, worth $152.7M in all, so Big O Tires is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Big O Tires?
The data says yes: of Big O Tires's 167 SBA loans that record a business age, 27.5% 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 Big O Tires?
By loan count, the most active SBA lenders for Big O Tires are Live Oak Banking Company, Wells Fargo Bank National Association, Zions Bank, A Division of, among others. A lender already active with your brand often moves faster.
What is Big O Tires's SBA charge-off rate?
Across Big O Tires's 141 SBA 7(a) loans, 1.4% 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 Big O Tires?
Both. Of Big O Tires's 174 SBA loans, 141 were 7(a) (franchise fee, build-out, equipment, working capital) and 33 were 504 (owner-occupied real estate). The median Big O Tires loan term is 10 years.