Franchise financing
Marco's Pizza franchise financing
What it costs to finance a Marco's Pizza 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
- 480
- Total funded
- $176.6M
- Median loan
- $349K
- 7(a) charge-off
- 3.4%
What financing a Marco's Pizza franchise costs
The median SBA loan to a Marco's Pizza franchisee is $349K, and the middle half of Marco's Pizza's 480 loans run $267K to $432K (average $368K). Across all SBA-financed franchises the median loan is $350K. Marco's Pizza 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 Marco's Pizza loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 459 Marco's Pizza loans where the SBA recorded a business age, 85.4% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Marco's Pizza
Marco's Pizza franchisees have financed with 480 SBA loans since FY2010, averaging $368K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (477 of the 480 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Marco's Pizza's 7(a) charge-off rate is 3.4% across 477 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Marco's Pizza
By SBA loan count
Where Marco's Pizza gets funded
Top states by loan count
- 1. Texas 103
- 2. Georgia 73
- 3. Florida 61
- 4. Puerto Rico 34
- 5. Colorado 14
- 6. North Carolina 23
- 7. Virginia 20
- 8. California 17
Financing a Marco's Pizza?
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.
Marco's Pizza SBA financing FAQ
How much does a Marco's Pizza franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Marco's Pizza franchisee is $349K, and the middle half of Marco's Pizza's 480 loans run $267K to $432K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Marco's Pizza's franchise disclosure document.
Can you use an SBA loan for Marco's Pizza?
Yes. Lenders have funded 480 SBA loans to Marco's Pizza franchisees, worth $176.6M in all, so Marco's Pizza is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Marco's Pizza?
The data says yes: of Marco's Pizza's 459 SBA loans that record a business age, 85.4% 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 Marco's Pizza?
By loan count, the most active SBA lenders for Marco's Pizza are KeyBank National Association, The Bancorp Bank National Association, Ameris Bank, among others. A lender already active with your brand often moves faster.
What is Marco's Pizza's SBA charge-off rate?
Across Marco's Pizza's 477 SBA 7(a) loans, 3.4% 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 Marco's Pizza?
Mostly 7(a): 477 of Marco's Pizza's 480 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Marco's Pizza loan term is 10 years.