Franchise financing
Sam the Concrete Man franchise financing
What it costs to finance a Sam the Concrete Man 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
- 107
- Total funded
- $15.5M
- Median loan
- $150K
- 7(a) charge-off
- 6.5%
What financing a Sam the Concrete Man franchise costs
The median SBA loan to a Sam the Concrete Man franchisee is $150K, and the middle half of Sam the Concrete Man's 107 loans run $150K to $150K (average $145K). Across all SBA-financed franchises the median loan is $350K. Sam the Concrete Man 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 Sam the Concrete Man loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 107 Sam the Concrete Man loans where the SBA recorded a business age, 98.1% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Sam the Concrete Man
Sam the Concrete Man franchisees have financed with 107 SBA loans since FY2010, averaging $145K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (107 of the 107 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Sam the Concrete Man's 7(a) charge-off rate is 6.5% across 107 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Sam the Concrete Man
By SBA loan count
Where Sam the Concrete Man gets funded
Top states by loan count
- 1. Texas 20
- 2. Florida 11
- 3. North Carolina 6
- 4. Georgia 5
- 5. Pennsylvania 5
- 6. Arizona 5
- 7. New Jersey 4
- 8. Virginia 4
Financing a Sam the Concrete Man?
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.
Sam the Concrete Man SBA financing FAQ
How much does a Sam the Concrete Man franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Sam the Concrete Man franchisee is $150K, and the middle half of Sam the Concrete Man's 107 loans run $150K to $150K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Sam the Concrete Man's franchise disclosure document.
Can you use an SBA loan for Sam the Concrete Man?
Yes. Lenders have funded 107 SBA loans to Sam the Concrete Man franchisees, worth $15.5M in all, so Sam the Concrete Man is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Sam the Concrete Man?
The data says yes: of Sam the Concrete Man's 107 SBA loans that record a business age, 98.1% 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 Sam the Concrete Man?
By loan count, the most active SBA lenders for Sam the Concrete Man are United Midwest Savings Bank National Association, Stearns Bank National Association, Capital Bank, National Association. A lender already active with your brand often moves faster.
What is Sam the Concrete Man's SBA charge-off rate?
Across Sam the Concrete Man's 107 SBA 7(a) loans, 6.5% 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 Sam the Concrete Man?
Mostly 7(a): 107 of Sam the Concrete Man's 107 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Sam the Concrete Man loan term is 10 years.