Franchise financing
Naturals2Go franchise financing
What it costs to finance a Naturals2Go 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
- 298
- Total funded
- $38.0M
- Median loan
- $150K
- 7(a) charge-off
- 3.0%
What financing a Naturals2Go franchise costs
The median SBA loan to a Naturals2Go franchisee is $150K, and the middle half of Naturals2Go's 298 loans run $100K to $150K (average $127K). Across all SBA-financed franchises the median loan is $350K. Naturals2Go 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 Naturals2Go loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 298 Naturals2Go loans where the SBA recorded a business age, 99.3% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Naturals2Go
Naturals2Go franchisees have financed with 298 SBA loans since FY2010, averaging $127K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (298 of the 298 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Naturals2Go's 7(a) charge-off rate is 3.0% across 298 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Naturals2Go
By SBA loan count
Where Naturals2Go gets funded
Top states by loan count
- 1. Texas 48
- 2. California 25
- 3. Georgia 19
- 4. Florida 18
- 5. Tennessee 18
- 6. North Carolina 14
- 7. South Carolina 9
- 8. Illinois 9
Financing a Naturals2Go?
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.
Naturals2Go SBA financing FAQ
How much does a Naturals2Go franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Naturals2Go franchisee is $150K, and the middle half of Naturals2Go's 298 loans run $100K to $150K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Naturals2Go's franchise disclosure document.
Can you use an SBA loan for Naturals2Go?
Yes. Lenders have funded 298 SBA loans to Naturals2Go franchisees, worth $38.0M in all, so Naturals2Go is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Naturals2Go?
The data says yes: of Naturals2Go's 298 SBA loans that record a business age, 99.3% 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 Naturals2Go?
By loan count, the most active SBA lenders for Naturals2Go are United Midwest Savings Bank National Association, Celtic Bank Corporation, Stearns Bank National Association, among others. A lender already active with your brand often moves faster.
What is Naturals2Go's SBA charge-off rate?
Across Naturals2Go's 298 SBA 7(a) loans, 3.0% 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 Naturals2Go?
Mostly 7(a): 298 of Naturals2Go's 298 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Naturals2Go loan term is 10 years.