Franchise financing
HAND AND STONE franchise financing
What it costs to finance a HAND AND STONE 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
- 101
- Total funded
- $36.2M
- Median loan
- $350K
- 7(a) charge-off
- 2.0%
What financing a HAND AND STONE franchise costs
The median SBA loan to a HAND AND STONE franchisee is $350K, and the middle half of HAND AND STONE's 101 loans run $300K to $422K (average $359K). Across all SBA-financed franchises the median loan is $350K. HAND AND STONE buyers borrow about the same as 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 HAND AND STONE loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 97 HAND AND STONE loans where the SBA recorded a business age, 94.8% went to new businesses two years old or younger. The rest funded existing operations.
How to finance HAND AND STONE
HAND AND STONE franchisees have financed with 101 SBA loans since FY2010, averaging $359K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (101 of the 101 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
HAND AND STONE's 7(a) charge-off rate is 2.0% across 101 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance HAND AND STONE
By SBA loan count
Where HAND AND STONE gets funded
Top states by loan count
- 1. Pennsylvania 12
- 2. Texas 10
- 3. Florida 11
- 4. New Jersey 11
- 5. Colorado 8
- 6. Washington 5
- 7. New York 7
- 8. California 6
Financing a HAND AND STONE?
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.
HAND AND STONE SBA financing FAQ
How much does a HAND AND STONE franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a HAND AND STONE franchisee is $350K, and the middle half of HAND AND STONE's 101 loans run $300K to $422K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of HAND AND STONE's franchise disclosure document.
Can you use an SBA loan for HAND AND STONE?
Yes. Lenders have funded 101 SBA loans to HAND AND STONE franchisees, worth $36.2M in all, so HAND AND STONE is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for HAND AND STONE?
The data says yes: of HAND AND STONE's 97 SBA loans that record a business age, 94.8% 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 HAND AND STONE?
By loan count, the most active SBA lenders for HAND AND STONE are Wilmington Savings Fund Society FSB, Wells Fargo Bank National Association, Manufacturers and Traders Trust Company, among others. A lender already active with your brand often moves faster.
What is HAND AND STONE's SBA charge-off rate?
Across HAND AND STONE's 101 SBA 7(a) loans, 2.0% 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 HAND AND STONE?
Mostly 7(a): 101 of HAND AND STONE's 101 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median HAND AND STONE loan term is 10 years.