Franchise financing
Smash My Trash franchise financing
What it costs to finance a Smash My Trash 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
- 106
- Total funded
- $39.4M
- Median loan
- $324K
- 7(a) charge-off
- 0.9%
What financing a Smash My Trash franchise costs
The median SBA loan to a Smash My Trash franchisee is $324K, and the middle half of Smash My Trash's 106 loans run $177K to $482K (average $371K). Across all SBA-financed franchises the median loan is $350K. Smash My Trash 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 Smash My Trash loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 106 Smash My Trash loans where the SBA recorded a business age, 92.5% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Smash My Trash
Smash My Trash franchisees have financed with 106 SBA loans since FY2010, averaging $371K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (106 of the 106 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Smash My Trash's 7(a) charge-off rate is 0.9% across 106 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Smash My Trash
By SBA loan count
Where Smash My Trash gets funded
Top states by loan count
- 1. Georgia 13
- 2. California 12
- 3. Florida 10
- 4. Nevada 3
- 5. Massachusetts 8
- 6. Colorado 3
- 7. Ohio 10
- 8. Texas 6
Financing a Smash My Trash?
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.
Smash My Trash SBA financing FAQ
How much does a Smash My Trash franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Smash My Trash franchisee is $324K, and the middle half of Smash My Trash's 106 loans run $177K to $482K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Smash My Trash's franchise disclosure document.
Can you use an SBA loan for Smash My Trash?
Yes. Lenders have funded 106 SBA loans to Smash My Trash franchisees, worth $39.4M in all, so Smash My Trash is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Smash My Trash?
The data says yes: of Smash My Trash's 106 SBA loans that record a business age, 92.5% 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 Smash My Trash?
By loan count, the most active SBA lenders for Smash My Trash are Ameris Bank, The Huntington National Bank, Old National Bank, among others. A lender already active with your brand often moves faster.
What is Smash My Trash's SBA charge-off rate?
Across Smash My Trash's 106 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 Smash My Trash?
Mostly 7(a): 106 of Smash My Trash's 106 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Smash My Trash loan term is 10 years.