Franchise financing
Stretch Lab franchise financing
What it costs to finance a Stretch Lab 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
- 143
- Total funded
- $33.6M
- Median loan
- $258K
- 7(a) charge-off
- 3.5%
What financing a Stretch Lab franchise costs
The median SBA loan to a Stretch Lab franchisee is $258K, and the middle half of Stretch Lab's 143 loans run $146K to $313K (average $235K). Across all SBA-financed franchises the median loan is $350K. Stretch Lab 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 Stretch Lab loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 139 Stretch Lab loans where the SBA recorded a business age, 92.1% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Stretch Lab
Stretch Lab franchisees have financed with 143 SBA loans since FY2010, averaging $235K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (143 of the 143 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Stretch Lab's 7(a) charge-off rate is 3.5% across 143 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Stretch Lab
By SBA loan count
Where Stretch Lab gets funded
Top states by loan count
- 1. California 21
- 2. Texas 15
- 3. New York 14
- 4. Illinois 14
- 5. Virginia 7
- 6. Colorado 8
- 7. Ohio 12
- 8. Indiana 8
Financing a Stretch Lab?
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.
Stretch Lab SBA financing FAQ
How much does a Stretch Lab franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Stretch Lab franchisee is $258K, and the middle half of Stretch Lab's 143 loans run $146K to $313K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Stretch Lab's franchise disclosure document.
Can you use an SBA loan for Stretch Lab?
Yes. Lenders have funded 143 SBA loans to Stretch Lab franchisees, worth $33.6M in all, so Stretch Lab is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Stretch Lab?
The data says yes: of Stretch Lab's 139 SBA loans that record a business age, 92.1% 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 Stretch Lab?
By loan count, the most active SBA lenders for Stretch Lab are The Huntington National Bank, Five Star Bank, Stearns Bank National Association, among others. A lender already active with your brand often moves faster.
What is Stretch Lab's SBA charge-off rate?
Across Stretch Lab's 143 SBA 7(a) loans, 3.5% 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 Stretch Lab?
Mostly 7(a): 143 of Stretch Lab's 143 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Stretch Lab loan term is 10 years.