Franchise financing
Signarama franchise financing
What it costs to finance a Signarama 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
- 154
- Total funded
- $52.0M
- Median loan
- $150K
- 7(a) charge-off
- 18.1%
What financing a Signarama franchise costs
The median SBA loan to a Signarama franchisee is $150K, and the middle half of Signarama's 154 loans run $150K to $398K (average $337K). Across all SBA-financed franchises the median loan is $350K. Signarama 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 Signarama loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 152 Signarama loans where the SBA recorded a business age, 46.7% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Signarama
Signarama franchisees have financed with 154 SBA loans since FY2010, averaging $337K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (144 of the 154 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Signarama's 7(a) charge-off rate is 18.1% across 144 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Signarama
By SBA loan count
Where Signarama gets funded
Top states by loan count
- 1. South Carolina 7
- 2. Illinois 14
- 3. Georgia 7
- 4. California 14
- 5. Florida 9
- 6. Ohio 4
- 7. North Carolina 7
- 8. Massachusetts 12
Financing a Signarama?
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.
Signarama SBA financing FAQ
How much does a Signarama franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Signarama franchisee is $150K, and the middle half of Signarama's 154 loans run $150K to $398K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Signarama's franchise disclosure document.
Can you use an SBA loan for Signarama?
Yes. Lenders have funded 154 SBA loans to Signarama franchisees, worth $52.0M in all, so Signarama is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Signarama?
The data says yes: of Signarama's 152 SBA loans that record a business age, 46.7% 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 Signarama?
By loan count, the most active SBA lenders for Signarama are Newtek Small Business Finance, Inc., United Community Bank, Celtic Bank Corporation, among others. A lender already active with your brand often moves faster.
What is Signarama's SBA charge-off rate?
Across Signarama's 144 SBA 7(a) loans, 18.1% 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 Signarama?
Mostly 7(a): 144 of Signarama's 154 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Signarama loan term is 10 years.