Franchise financing
Pirtek franchise financing
What it costs to finance a Pirtek 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
- 110
- Total funded
- $55.2M
- Median loan
- $350K
- 7(a) charge-off
- 0.9%
What financing a Pirtek franchise costs
The median SBA loan to a Pirtek franchisee is $350K, and the middle half of Pirtek's 110 loans run $196K to $500K (average $502K). Across all SBA-financed franchises the median loan is $350K. Pirtek buyers borrow about the same as 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 Pirtek loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 108 Pirtek loans where the SBA recorded a business age, 61.1% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Pirtek
Pirtek franchisees have financed with 110 SBA loans since FY2010, averaging $502K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (110 of the 110 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Pirtek's 7(a) charge-off rate is 0.9% across 110 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Pirtek
By SBA loan count
Where Pirtek gets funded
Top states by loan count
- 1. Utah 6
- 2. Florida 11
- 3. Georgia 5
- 4. California 7
- 5. Texas 15
- 6. Illinois 2
- 7. New Jersey 2
- 8. Colorado 5
Financing a Pirtek?
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.
Pirtek SBA financing FAQ
How much does a Pirtek franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Pirtek franchisee is $350K, and the middle half of Pirtek's 110 loans run $196K to $500K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Pirtek's franchise disclosure document.
Can you use an SBA loan for Pirtek?
Yes. Lenders have funded 110 SBA loans to Pirtek franchisees, worth $55.2M in all, so Pirtek is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Pirtek?
The data says yes: of Pirtek's 108 SBA loans that record a business age, 61.1% 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 Pirtek?
By loan count, the most active SBA lenders for Pirtek are Citizens Bank, Live Oak Banking Company, The Huntington National Bank, among others. A lender already active with your brand often moves faster.
What is Pirtek's SBA charge-off rate?
Across Pirtek's 110 SBA 7(a) loans, 0.9% 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 Pirtek?
Mostly 7(a): 110 of Pirtek's 110 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Pirtek loan term is 10 years.