Franchise financing
Pet Supplies Plus franchise financing
What it costs to finance a Pet Supplies Plus 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
- 228
- Total funded
- $193.6M
- Median loan
- $818K
- 7(a) charge-off
- 1.3%
What financing a Pet Supplies Plus franchise costs
The median SBA loan to a Pet Supplies Plus franchisee is $818K, and the middle half of Pet Supplies Plus's 228 loans run $511K to $1.1M (average $849K). Across all SBA-financed franchises the median loan is $350K. Pet Supplies Plus 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 Pet Supplies Plus loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 220 Pet Supplies Plus loans where the SBA recorded a business age, 83.2% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Pet Supplies Plus
Pet Supplies Plus franchisees have financed with 228 SBA loans since FY2010, averaging $849K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (227 of the 228 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Pet Supplies Plus's 7(a) charge-off rate is 1.3% across 227 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Pet Supplies Plus
By SBA loan count
Where Pet Supplies Plus gets funded
Top states by loan count
- 1. Texas 34
- 2. Florida 30
- 3. North Carolina 17
- 4. California 11
- 5. Indiana 8
- 6. New Jersey 12
- 7. Missouri 11
- 8. Ohio 11
Financing a Pet Supplies Plus?
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.
Pet Supplies Plus SBA financing FAQ
How much does a Pet Supplies Plus franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Pet Supplies Plus franchisee is $818K, and the middle half of Pet Supplies Plus's 228 loans run $511K to $1.1M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Pet Supplies Plus's franchise disclosure document.
Can you use an SBA loan for Pet Supplies Plus?
Yes. Lenders have funded 228 SBA loans to Pet Supplies Plus franchisees, worth $193.6M in all, so Pet Supplies Plus is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Pet Supplies Plus?
The data says yes: of Pet Supplies Plus's 220 SBA loans that record a business age, 83.2% 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 Pet Supplies Plus?
By loan count, the most active SBA lenders for Pet Supplies Plus are The Huntington National Bank, United Community Bank, First Bank of the Lake, among others. A lender already active with your brand often moves faster.
What is Pet Supplies Plus's SBA charge-off rate?
Across Pet Supplies Plus's 227 SBA 7(a) loans, 1.3% 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 Pet Supplies Plus?
Mostly 7(a): 227 of Pet Supplies Plus's 228 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Pet Supplies Plus loan term is 10 years.