Franchise financing
PIZZA RANCH franchise financing
What it costs to finance a PIZZA RANCH 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
- 146
- Total funded
- $103.3M
- Median loan
- $597K
- 7(a) charge-off
- 1.3%
What financing a PIZZA RANCH franchise costs
The median SBA loan to a PIZZA RANCH franchisee is $597K, and the middle half of PIZZA RANCH's 146 loans run $310K to $831K (average $707K). Across all SBA-financed franchises the median loan is $350K. PIZZA RANCH 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 PIZZA RANCH loan runs about 15 years (182 months). Model your numbers with the franchise financing calculator.
Of the 118 PIZZA RANCH loans where the SBA recorded a business age, 36.4% went to new businesses two years old or younger. The rest funded existing operations.
How to finance PIZZA RANCH
PIZZA RANCH franchisees have financed with 146 SBA loans since FY2010, averaging $707K each. Of those, 75 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 71 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
PIZZA RANCH's 7(a) charge-off rate is 1.3% across 75 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance PIZZA RANCH
By SBA loan count
Where PIZZA RANCH gets funded
Top states by loan count
- 1. Iowa 39
- 2. Minnesota 34
- 3. Wisconsin 22
- 4. Missouri 6
- 5. Illinois 6
- 6. Kansas 9
- 7. Colorado 3
- 8. South Dakota 13
Financing a PIZZA RANCH?
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.
PIZZA RANCH SBA financing FAQ
How much does a PIZZA RANCH franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a PIZZA RANCH franchisee is $597K, and the middle half of PIZZA RANCH's 146 loans run $310K to $831K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of PIZZA RANCH's franchise disclosure document.
Can you use an SBA loan for PIZZA RANCH?
Yes. Lenders have funded 146 SBA loans to PIZZA RANCH franchisees, worth $103.3M in all, so PIZZA RANCH is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for PIZZA RANCH?
The data says yes: of PIZZA RANCH's 118 SBA loans that record a business age, 36.4% 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 PIZZA RANCH?
By loan count, the most active SBA lenders for PIZZA RANCH are First Merchants Bank, WBD, Inc., Siouxland Economic Development Corporation, among others. A lender already active with your brand often moves faster.
What is PIZZA RANCH's SBA charge-off rate?
Across PIZZA RANCH's 75 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 PIZZA RANCH?
Both. Of PIZZA RANCH's 146 SBA loans, 75 were 7(a) (franchise fee, build-out, equipment, working capital) and 71 were 504 (owner-occupied real estate). The median PIZZA RANCH loan term is about 15 years (182 months).