Franchise financing
CHOICE HOTELS INTERNATIONAL INC. franchise financing
What it costs to finance a CHOICE HOTELS INTERNATIONAL INC. 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
- 172
- Total funded
- $271.9M
- Median loan
- $1.4M
- 7(a) charge-off
- 0.0%
What financing a CHOICE HOTELS INTERNATIONAL INC. franchise costs
The median SBA loan to a CHOICE HOTELS INTERNATIONAL INC. franchisee is $1.4M, and the middle half of CHOICE HOTELS INTERNATIONAL INC.'s 172 loans run $837K to $2.1M (average $1.6M). Across all SBA-financed franchises the median loan is $350K. CHOICE HOTELS INTERNATIONAL INC. 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 CHOICE HOTELS INTERNATIONAL INC. loan runs 20 years. Model your numbers with the franchise financing calculator.
Of the 139 CHOICE HOTELS INTERNATIONAL INC. loans where the SBA recorded a business age, 10.1% went to new businesses two years old or younger. The rest funded existing operations.
How to finance CHOICE HOTELS INTERNATIONAL INC.
CHOICE HOTELS INTERNATIONAL INC. franchisees have financed with 172 SBA loans since FY2010, averaging $1.6M each. Of those, 84 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 88 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
CHOICE HOTELS INTERNATIONAL INC.'s 7(a) charge-off rate is 0.0% across 84 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance CHOICE HOTELS INTERNATIONAL INC.
By SBA loan count
Where CHOICE HOTELS INTERNATIONAL INC. gets funded
Top states by loan count
- 1. California 16
- 2. Texas 20
- 3. Georgia 15
- 4. New York 5
- 5. North Carolina 10
- 6. Alabama 10
- 7. Washington 6
- 8. South Carolina 6
Financing a CHOICE HOTELS INTERNATIONAL INC.?
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.
CHOICE HOTELS INTERNATIONAL INC. SBA financing FAQ
How much does a CHOICE HOTELS INTERNATIONAL INC. franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a CHOICE HOTELS INTERNATIONAL INC. franchisee is $1.4M, and the middle half of CHOICE HOTELS INTERNATIONAL INC.'s 172 loans run $837K to $2.1M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of CHOICE HOTELS INTERNATIONAL INC.'s franchise disclosure document.
Can you use an SBA loan for CHOICE HOTELS INTERNATIONAL INC.?
Yes. Lenders have funded 172 SBA loans to CHOICE HOTELS INTERNATIONAL INC. franchisees, worth $271.9M in all, so CHOICE HOTELS INTERNATIONAL INC. is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for CHOICE HOTELS INTERNATIONAL INC.?
The data says yes: of CHOICE HOTELS INTERNATIONAL INC.'s 139 SBA loans that record a business age, 10.1% 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 CHOICE HOTELS INTERNATIONAL INC.?
By loan count, the most active SBA lenders for CHOICE HOTELS INTERNATIONAL INC. are Hanmi Bank, Columbia Bank, BankUnited, National Association, among others. A lender already active with your brand often moves faster.
What is CHOICE HOTELS INTERNATIONAL INC.'s SBA charge-off rate?
Across CHOICE HOTELS INTERNATIONAL INC.'s 84 SBA 7(a) loans, 0.0% 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 CHOICE HOTELS INTERNATIONAL INC.?
Both. Of CHOICE HOTELS INTERNATIONAL INC.'s 172 SBA loans, 84 were 7(a) (franchise fee, build-out, equipment, working capital) and 88 were 504 (owner-occupied real estate). The median CHOICE HOTELS INTERNATIONAL INC. loan term is 20 years.