Franchise financing
FYZICAL franchise financing
What it costs to finance a FYZICAL 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
- 117
- Total funded
- $26.5M
- Median loan
- $220K
- 7(a) charge-off
- 0.0%
What financing a FYZICAL franchise costs
The median SBA loan to a FYZICAL franchisee is $220K, and the middle half of FYZICAL's 117 loans run $50K to $327K (average $226K). Across all SBA-financed franchises the median loan is $350K. FYZICAL 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 FYZICAL loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 117 FYZICAL loans where the SBA recorded a business age, 82.0% went to new businesses two years old or younger. The rest funded existing operations.
How to finance FYZICAL
FYZICAL franchisees have financed with 117 SBA loans since FY2010, averaging $226K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (114 of the 117 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
FYZICAL's 7(a) charge-off rate is 0.0% across 114 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance FYZICAL
By SBA loan count
Where FYZICAL gets funded
Top states by loan count
- 1. Texas 25
- 2. Florida 14
- 3. Georgia 8
- 4. Pennsylvania 6
- 5. Ohio 7
- 6. New Jersey 6
- 7. Missouri 6
- 8. South Carolina 4
Financing a FYZICAL?
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.
FYZICAL SBA financing FAQ
How much does a FYZICAL franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a FYZICAL franchisee is $220K, and the middle half of FYZICAL's 117 loans run $50K to $327K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of FYZICAL's franchise disclosure document.
Can you use an SBA loan for FYZICAL?
Yes. Lenders have funded 117 SBA loans to FYZICAL franchisees, worth $26.5M in all, so FYZICAL is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for FYZICAL?
The data says yes: of FYZICAL's 117 SBA loans that record a business age, 82.0% 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 FYZICAL?
By loan count, the most active SBA lenders for FYZICAL are The Huntington National Bank, First Bank of the Lake, Enchantment Land Certified Development Company, among others. A lender already active with your brand often moves faster.
What is FYZICAL's SBA charge-off rate?
Across FYZICAL's 114 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 FYZICAL?
Mostly 7(a): 114 of FYZICAL's 117 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median FYZICAL loan term is 10 years.