Franchise financing
Rainbow International franchise financing
What it costs to finance a Rainbow International 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
- 134
- Total funded
- $39.6M
- Median loan
- $150K
- 7(a) charge-off
- 12.4%
What financing a Rainbow International franchise costs
The median SBA loan to a Rainbow International franchisee is $150K, and the middle half of Rainbow International's 134 loans run $150K to $300K (average $295K). Across all SBA-financed franchises the median loan is $350K. Rainbow International 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 Rainbow International loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 132 Rainbow International loans where the SBA recorded a business age, 68.2% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Rainbow International
Rainbow International franchisees have financed with 134 SBA loans since FY2010, averaging $295K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (129 of the 134 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Rainbow International's 7(a) charge-off rate is 12.4% across 129 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Rainbow International
By SBA loan count
Where Rainbow International gets funded
Top states by loan count
- 1. California 23
- 2. Texas 17
- 3. North Carolina 5
- 4. Virginia 14
- 5. Arizona 3
- 6. Illinois 3
- 7. Alabama 5
- 8. Maryland 4
Financing a Rainbow International?
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.
Rainbow International SBA financing FAQ
How much does a Rainbow International franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Rainbow International franchisee is $150K, and the middle half of Rainbow International's 134 loans run $150K to $300K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Rainbow International's franchise disclosure document.
Can you use an SBA loan for Rainbow International?
Yes. Lenders have funded 134 SBA loans to Rainbow International franchisees, worth $39.6M in all, so Rainbow International is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Rainbow International?
The data says yes: of Rainbow International's 132 SBA loans that record a business age, 68.2% 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 Rainbow International?
By loan count, the most active SBA lenders for Rainbow International are United Midwest Savings Bank National Association, Live Oak Banking Company, Business Expansion Funding Corporation, among others. A lender already active with your brand often moves faster.
What is Rainbow International's SBA charge-off rate?
Across Rainbow International's 129 SBA 7(a) loans, 12.4% 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 Rainbow International?
Mostly 7(a): 129 of Rainbow International's 134 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Rainbow International loan term is 10 years.