Franchise financing
LIBERTY TAX SERVICE franchise financing
What it costs to finance a LIBERTY TAX SERVICE 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
- 177
- Total funded
- $37.9M
- Median loan
- $100K
- 7(a) charge-off
- 7.4%
What financing a LIBERTY TAX SERVICE franchise costs
The median SBA loan to a LIBERTY TAX SERVICE franchisee is $100K, and the middle half of LIBERTY TAX SERVICE's 177 loans run $45K to $260K (average $214K). Across all SBA-financed franchises the median loan is $350K. LIBERTY TAX SERVICE 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 LIBERTY TAX SERVICE loan runs 7 years. Model your numbers with the franchise financing calculator.
Of the 165 LIBERTY TAX SERVICE loans where the SBA recorded a business age, 24.9% went to new businesses two years old or younger. The rest funded existing operations.
How to finance LIBERTY TAX SERVICE
LIBERTY TAX SERVICE franchisees have financed with 177 SBA loans since FY2010, averaging $214K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (175 of the 177 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
LIBERTY TAX SERVICE's 7(a) charge-off rate is 7.4% across 175 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance LIBERTY TAX SERVICE
By SBA loan count
Where LIBERTY TAX SERVICE gets funded
Top states by loan count
- 1. Florida 12
- 2. New York 11
- 3. Texas 19
- 4. Pennsylvania 15
- 5. Washington 5
- 6. North Carolina 8
- 7. California 8
- 8. Missouri 8
Financing a LIBERTY TAX SERVICE?
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.
LIBERTY TAX SERVICE SBA financing FAQ
How much does a LIBERTY TAX SERVICE franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a LIBERTY TAX SERVICE franchisee is $100K, and the middle half of LIBERTY TAX SERVICE's 177 loans run $45K to $260K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of LIBERTY TAX SERVICE's franchise disclosure document.
Can you use an SBA loan for LIBERTY TAX SERVICE?
Yes. Lenders have funded 177 SBA loans to LIBERTY TAX SERVICE franchisees, worth $37.9M in all, so LIBERTY TAX SERVICE is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for LIBERTY TAX SERVICE?
The data says yes: of LIBERTY TAX SERVICE's 165 SBA loans that record a business age, 24.9% 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 LIBERTY TAX SERVICE?
By loan count, the most active SBA lenders for LIBERTY TAX SERVICE are First Bank, Cross River Bank, U.S. Bank, National Association, among others. A lender already active with your brand often moves faster.
What is LIBERTY TAX SERVICE's SBA charge-off rate?
Across LIBERTY TAX SERVICE's 175 SBA 7(a) loans, 7.4% 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 LIBERTY TAX SERVICE?
Mostly 7(a): 175 of LIBERTY TAX SERVICE's 177 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median LIBERTY TAX SERVICE loan term is 7 years.