Franchise financing
MENCHIE'S franchise financing
What it costs to finance a MENCHIE'S 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
- 262
- Total funded
- $73.2M
- Median loan
- $299K
- 7(a) charge-off
- 11.1%
What financing a MENCHIE'S franchise costs
The median SBA loan to a MENCHIE'S franchisee is $299K, and the middle half of MENCHIE'S's 262 loans run $223K to $339K (average $279K). Across all SBA-financed franchises the median loan is $350K. MENCHIE'S 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 MENCHIE'S loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 236 MENCHIE'S loans where the SBA recorded a business age, 83.9% went to new businesses two years old or younger. The rest funded existing operations.
How to finance MENCHIE'S
MENCHIE'S franchisees have financed with 262 SBA loans since FY2010, averaging $279K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (262 of the 262 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
MENCHIE'S's 7(a) charge-off rate is 11.1% across 262 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance MENCHIE'S
By SBA loan count
Where MENCHIE'S gets funded
Top states by loan count
- 1. California 64
- 2. Texas 34
- 3. Michigan 26
- 4. Georgia 16
- 5. Florida 15
- 6. Washington 12
- 7. Pennsylvania 9
- 8. North Carolina 7
Financing a MENCHIE'S?
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.
MENCHIE'S SBA financing FAQ
How much does a MENCHIE'S franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a MENCHIE'S franchisee is $299K, and the middle half of MENCHIE'S's 262 loans run $223K to $339K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of MENCHIE'S's franchise disclosure document.
Can you use an SBA loan for MENCHIE'S?
Yes. Lenders have funded 262 SBA loans to MENCHIE'S franchisees, worth $73.2M in all, so MENCHIE'S is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for MENCHIE'S?
The data says yes: of MENCHIE'S's 236 SBA loans that record a business age, 83.9% 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 MENCHIE'S?
By loan count, the most active SBA lenders for MENCHIE'S are The Huntington National Bank, Stearns Bank National Association, JPMorgan Chase Bank, National Association, among others. A lender already active with your brand often moves faster.
What is MENCHIE'S's SBA charge-off rate?
Across MENCHIE'S's 262 SBA 7(a) loans, 11.1% 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 MENCHIE'S?
Mostly 7(a): 262 of MENCHIE'S's 262 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median MENCHIE'S loan term is 10 years.