Franchise financing
The Back Nine franchise financing
What it costs to finance a The Back Nine 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
- 142
- Total funded
- $45.5M
- Median loan
- $349K
- 7(a) charge-off
- 0.0%
What financing a The Back Nine franchise costs
The median SBA loan to a The Back Nine franchisee is $349K, and the middle half of The Back Nine's 142 loans run $249K to $422K (average $320K). Across all SBA-financed franchises the median loan is $350K. The Back Nine 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 The Back Nine loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 142 The Back Nine loans where the SBA recorded a business age, 96.5% went to new businesses two years old or younger. The rest funded existing operations.
How to finance The Back Nine
The Back Nine franchisees have financed with 142 SBA loans since FY2010, averaging $320K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (142 of the 142 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
The Back Nine's 7(a) charge-off rate is 0.0% across 142 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance The Back Nine
By SBA loan count
Where The Back Nine gets funded
Top states by loan count
- 1. Texas 26
- 2. Florida 16
- 3. Tennessee 10
- 4. Michigan 6
- 5. Utah 9
- 6. Pennsylvania 6
- 7. North Carolina 4
- 8. Virginia 4
Financing a The Back Nine?
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.
The Back Nine SBA financing FAQ
How much does a The Back Nine franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a The Back Nine franchisee is $349K, and the middle half of The Back Nine's 142 loans run $249K to $422K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of The Back Nine's franchise disclosure document.
Can you use an SBA loan for The Back Nine?
Yes. Lenders have funded 142 SBA loans to The Back Nine franchisees, worth $45.5M in all, so The Back Nine is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for The Back Nine?
The data says yes: of The Back Nine's 142 SBA loans that record a business age, 96.5% 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 The Back Nine?
By loan count, the most active SBA lenders for The Back Nine are The Huntington National Bank, First Bank of the Lake, CDC Small Business Finance Corp., among others. A lender already active with your brand often moves faster.
What is The Back Nine's SBA charge-off rate?
Across The Back Nine's 142 SBA 7(a) loans, 0.0% 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 The Back Nine?
Mostly 7(a): 142 of The Back Nine's 142 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median The Back Nine loan term is 10 years.