Franchise financing
Ellie Mental Health franchise financing
What it costs to finance a Ellie Mental Health 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
- 125
- Total funded
- $22.9M
- Median loan
- $217K
- 7(a) charge-off
- 0.8%
What financing a Ellie Mental Health franchise costs
The median SBA loan to a Ellie Mental Health franchisee is $217K, and the middle half of Ellie Mental Health's 125 loans run $50K to $285K (average $183K). Across all SBA-financed franchises the median loan is $350K. Ellie Mental Health buyers borrow less 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 Ellie Mental Health loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 125 Ellie Mental Health loans where the SBA recorded a business age, 96.0% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Ellie Mental Health
Ellie Mental Health franchisees have financed with 125 SBA loans since FY2010, averaging $183K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (125 of the 125 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Ellie Mental Health's 7(a) charge-off rate is 0.8% across 125 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Ellie Mental Health
By SBA loan count
Where Ellie Mental Health gets funded
Top states by loan count
- 1. Texas 21
- 2. Florida 15
- 3. Georgia 10
- 4. Pennsylvania 7
- 5. New Jersey 5
- 6. Virginia 5
- 7. Massachusetts 6
- 8. Missouri 8
Financing a Ellie Mental Health?
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Ellie Mental Health SBA financing FAQ
How much does a Ellie Mental Health franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Ellie Mental Health franchisee is $217K, and the middle half of Ellie Mental Health's 125 loans run $50K to $285K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Ellie Mental Health's franchise disclosure document.
Can you use an SBA loan for Ellie Mental Health?
Yes. Lenders have funded 125 SBA loans to Ellie Mental Health franchisees, worth $22.9M in all, so Ellie Mental Health is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Ellie Mental Health?
The data says yes: of Ellie Mental Health's 125 SBA loans that record a business age, 96.0% 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 Ellie Mental Health?
By loan count, the most active SBA lenders for Ellie Mental Health are The Huntington National Bank, Meridian Bank, Pinnacle Bank, among others. A lender already active with your brand often moves faster.
What is Ellie Mental Health's SBA charge-off rate?
Across Ellie Mental Health's 125 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 Ellie Mental Health?
Mostly 7(a): 125 of Ellie Mental Health's 125 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Ellie Mental Health loan term is 10 years.