Franchise financing
Little Caesars franchise financing
What it costs to finance a Little Caesars 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
- 192
- Total funded
- $138.0M
- Median loan
- $490K
- 7(a) charge-off
- 3.2%
What financing a Little Caesars franchise costs
The median SBA loan to a Little Caesars franchisee is $490K, and the middle half of Little Caesars's 192 loans run $292K to $793K (average $719K). Across all SBA-financed franchises the median loan is $350K. Little Caesars 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 Little Caesars loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 190 Little Caesars loans where the SBA recorded a business age, 35.3% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Little Caesars
Little Caesars franchisees have financed with 192 SBA loans since FY2010, averaging $719K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (187 of the 192 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Little Caesars's 7(a) charge-off rate is 3.2% across 187 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Little Caesars
By SBA loan count
Where Little Caesars gets funded
Top states by loan count
- 1. Michigan 25
- 2. Indiana 14
- 3. California 9
- 4. Virginia 3
- 5. Iowa 11
- 6. Florida 12
- 7. Missouri 6
- 8. South Dakota 2
Financing a Little Caesars?
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.
Little Caesars SBA financing FAQ
How much does a Little Caesars franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Little Caesars franchisee is $490K, and the middle half of Little Caesars's 192 loans run $292K to $793K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Little Caesars's franchise disclosure document.
Can you use an SBA loan for Little Caesars?
Yes. Lenders have funded 192 SBA loans to Little Caesars franchisees, worth $138.0M in all, so Little Caesars is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Little Caesars?
The data says yes: of Little Caesars's 190 SBA loans that record a business age, 35.3% 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 Little Caesars?
By loan count, the most active SBA lenders for Little Caesars are Live Oak Banking Company, Western State Bank, Celtic Bank Corporation, among others. A lender already active with your brand often moves faster.
What is Little Caesars's SBA charge-off rate?
Across Little Caesars's 187 SBA 7(a) loans, 3.2% 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 Little Caesars?
Mostly 7(a): 187 of Little Caesars's 192 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Little Caesars loan term is 10 years.