Franchise financing
CycleBar franchise financing
What it costs to finance a CycleBar 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
- 144
- Total funded
- $68.0M
- Median loan
- $495K
- 7(a) charge-off
- 6.3%
What financing a CycleBar franchise costs
The median SBA loan to a CycleBar franchisee is $495K, and the middle half of CycleBar's 144 loans run $350K to $590K (average $472K). Across all SBA-financed franchises the median loan is $350K. CycleBar 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 CycleBar loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 133 CycleBar loans where the SBA recorded a business age, 95.5% went to new businesses two years old or younger. The rest funded existing operations.
How to finance CycleBar
CycleBar franchisees have financed with 144 SBA loans since FY2010, averaging $472K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (144 of the 144 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
CycleBar's 7(a) charge-off rate is 6.3% across 144 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance CycleBar
By SBA loan count
Where CycleBar gets funded
Top states by loan count
- 1. California 19
- 2. Texas 17
- 3. Florida 15
- 4. Ohio 15
- 5. New Jersey 6
- 6. Colorado 8
- 7. Missouri 5
- 8. North Carolina 7
Financing a CycleBar?
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.
CycleBar SBA financing FAQ
How much does a CycleBar franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a CycleBar franchisee is $495K, and the middle half of CycleBar's 144 loans run $350K to $590K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of CycleBar's franchise disclosure document.
Can you use an SBA loan for CycleBar?
Yes. Lenders have funded 144 SBA loans to CycleBar franchisees, worth $68.0M in all, so CycleBar is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for CycleBar?
The data says yes: of CycleBar's 133 SBA loans that record a business age, 95.5% 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 CycleBar?
By loan count, the most active SBA lenders for CycleBar are Ameris Bank, The Huntington National Bank, Stearns Bank National Association, among others. A lender already active with your brand often moves faster.
What is CycleBar's SBA charge-off rate?
Across CycleBar's 144 SBA 7(a) loans, 6.3% 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 CycleBar?
Mostly 7(a): 144 of CycleBar's 144 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median CycleBar loan term is 10 years.