Franchise financing
Motel 6 franchise financing
What it costs to finance a Motel 6 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
- 541
- Total funded
- $1.2B
- Median loan
- $2.0M
- 7(a) charge-off
- 1.1%
What financing a Motel 6 franchise costs
The median SBA loan to a Motel 6 franchisee is $2.0M, and the middle half of Motel 6's 541 loans run $1.2M to $3.0M (average $2.2M). Across all SBA-financed franchises the median loan is $350K. Motel 6 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 Motel 6 loan runs 25 years. Model your numbers with the franchise financing calculator.
Of the 509 Motel 6 loans where the SBA recorded a business age, 27.9% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Motel 6
Motel 6 franchisees have financed with 541 SBA loans since FY2010, averaging $2.2M each. Of those, 478 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 63 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Motel 6's 7(a) charge-off rate is 1.1% across 478 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Motel 6
By SBA loan count
Where Motel 6 gets funded
Top states by loan count
- 1. California 107
- 2. Texas 73
- 3. Georgia 42
- 4. Arizona 22
- 5. Ohio 30
- 6. Illinois 22
- 7. Indiana 19
- 8. Washington 15
Financing a Motel 6?
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.
Motel 6 SBA financing FAQ
How much does a Motel 6 franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Motel 6 franchisee is $2.0M, and the middle half of Motel 6's 541 loans run $1.2M to $3.0M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Motel 6's franchise disclosure document.
Can you use an SBA loan for Motel 6?
Yes. Lenders have funded 541 SBA loans to Motel 6 franchisees, worth $1.2B in all, so Motel 6 is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Motel 6?
The data says yes: of Motel 6's 509 SBA loans that record a business age, 27.9% 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 Motel 6?
By loan count, the most active SBA lenders for Motel 6 are Celtic Bank Corporation, Summit State Bank, GBank, among others. A lender already active with your brand often moves faster.
What is Motel 6's SBA charge-off rate?
Across Motel 6's 478 SBA 7(a) loans, 1.1% 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 Motel 6?
Both. Of Motel 6's 541 SBA loans, 478 were 7(a) (franchise fee, build-out, equipment, working capital) and 63 were 504 (owner-occupied real estate). The median Motel 6 loan term is 25 years.