Franchise financing
Grease Monkey franchise financing
What it costs to finance a Grease Monkey 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
- 121
- Total funded
- $110.6M
- Median loan
- $659K
- 7(a) charge-off
- 0.0%
What financing a Grease Monkey franchise costs
The median SBA loan to a Grease Monkey franchisee is $659K, and the middle half of Grease Monkey's 121 loans run $368K to $1.2M (average $914K). Across all SBA-financed franchises the median loan is $350K. Grease Monkey 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 Grease Monkey loan runs 25 years. Model your numbers with the franchise financing calculator.
Of the 118 Grease Monkey loans where the SBA recorded a business age, 52.5% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Grease Monkey
Grease Monkey franchisees have financed with 121 SBA loans since FY2010, averaging $914K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (109 of the 121 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Grease Monkey's 7(a) charge-off rate is 0.0% across 109 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Grease Monkey
By SBA loan count
Where Grease Monkey gets funded
Top states by loan count
- 1. Colorado 12
- 2. Florida 13
- 3. Texas 16
- 4. Utah 12
- 5. Washington 7
- 6. North Carolina 10
- 7. Montana 4
- 8. Idaho 6
Financing a Grease Monkey?
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.
Grease Monkey SBA financing FAQ
How much does a Grease Monkey franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Grease Monkey franchisee is $659K, and the middle half of Grease Monkey's 121 loans run $368K to $1.2M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Grease Monkey's franchise disclosure document.
Can you use an SBA loan for Grease Monkey?
Yes. Lenders have funded 121 SBA loans to Grease Monkey franchisees, worth $110.6M in all, so Grease Monkey is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Grease Monkey?
The data says yes: of Grease Monkey's 118 SBA loans that record a business age, 52.5% 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 Grease Monkey?
By loan count, the most active SBA lenders for Grease Monkey are Live Oak Banking Company, The Bancorp Bank National Association, Mountain West Small Business Finance, among others. A lender already active with your brand often moves faster.
What is Grease Monkey's SBA charge-off rate?
Across Grease Monkey's 109 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 Grease Monkey?
Mostly 7(a): 109 of Grease Monkey's 121 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Grease Monkey loan term is 25 years.