Franchise financing
Two Men and a Truck franchise financing
What it costs to finance a Two Men and a Truck 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
- 145
- Total funded
- $82.1M
- Median loan
- $327K
- 7(a) charge-off
- 0.8%
What financing a Two Men and a Truck franchise costs
The median SBA loan to a Two Men and a Truck franchisee is $327K, and the middle half of Two Men and a Truck's 145 loans run $150K to $600K (average $566K). Across all SBA-financed franchises the median loan is $350K. Two Men and a Truck 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 Two Men and a Truck loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 138 Two Men and a Truck loans where the SBA recorded a business age, 31.2% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Two Men and a Truck
Two Men and a Truck franchisees have financed with 145 SBA loans since FY2010, averaging $566K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (128 of the 145 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Two Men and a Truck's 7(a) charge-off rate is 0.8% across 128 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Two Men and a Truck
By SBA loan count
Where Two Men and a Truck gets funded
Top states by loan count
- 1. Texas 18
- 2. Illinois 10
- 3. Michigan 18
- 4. California 16
- 5. Florida 9
- 6. Kentucky 5
- 7. Ohio 9
- 8. Minnesota 6
Financing a Two Men and a Truck?
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Two Men and a Truck SBA financing FAQ
How much does a Two Men and a Truck franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Two Men and a Truck franchisee is $327K, and the middle half of Two Men and a Truck's 145 loans run $150K to $600K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Two Men and a Truck's franchise disclosure document.
Can you use an SBA loan for Two Men and a Truck?
Yes. Lenders have funded 145 SBA loans to Two Men and a Truck franchisees, worth $82.1M in all, so Two Men and a Truck is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Two Men and a Truck?
The data says yes: of Two Men and a Truck's 138 SBA loans that record a business age, 31.2% 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 Two Men and a Truck?
By loan count, the most active SBA lenders for Two Men and a Truck are SouthState Bank, National Association, Stock Yards Bank & Trust Company, Live Oak Banking Company, among others. A lender already active with your brand often moves faster.
What is Two Men and a Truck's SBA charge-off rate?
Across Two Men and a Truck's 128 SBA 7(a) loans, 0.8% 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 Two Men and a Truck?
Mostly 7(a): 128 of Two Men and a Truck's 145 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Two Men and a Truck loan term is 10 years.