Franchise financing
Maaco franchise financing
What it costs to finance a Maaco 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
- 103
- Total funded
- $66.8M
- Median loan
- $404K
- 7(a) charge-off
- 6.6%
What financing a Maaco franchise costs
The median SBA loan to a Maaco franchisee is $404K, and the middle half of Maaco's 103 loans run $243K to $812K (average $649K). Across all SBA-financed franchises the median loan is $350K. Maaco 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 Maaco loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 99 Maaco loans where the SBA recorded a business age, 42.4% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Maaco
Maaco franchisees have financed with 103 SBA loans since FY2010, averaging $649K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (91 of the 103 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Maaco's 7(a) charge-off rate is 6.6% across 91 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Maaco
By SBA loan count
Where Maaco gets funded
Top states by loan count
- 1. New Jersey 15
- 2. Texas 10
- 3. California 10
- 4. Nevada 2
- 5. Arizona 5
- 6. Michigan 5
- 7. Maryland 4
- 8. New York 7
Financing a Maaco?
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.
Maaco SBA financing FAQ
How much does a Maaco franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Maaco franchisee is $404K, and the middle half of Maaco's 103 loans run $243K to $812K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Maaco's franchise disclosure document.
Can you use an SBA loan for Maaco?
Yes. Lenders have funded 103 SBA loans to Maaco franchisees, worth $66.8M in all, so Maaco is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Maaco?
The data says yes: of Maaco's 99 SBA loans that record a business age, 42.4% 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 Maaco?
By loan count, the most active SBA lenders for Maaco are Live Oak Banking Company, Celtic Bank Corporation, TD Bank, National Association, among others. A lender already active with your brand often moves faster.
What is Maaco's SBA charge-off rate?
Across Maaco's 91 SBA 7(a) loans, 6.6% 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 Maaco?
Mostly 7(a): 91 of Maaco's 103 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Maaco loan term is 10 years.