Franchise financing
Uptown Cheapskate franchise financing
What it costs to finance a Uptown Cheapskate 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
- 114
- Total funded
- $49.9M
- Median loan
- $387K
- 7(a) charge-off
- 2.7%
What financing a Uptown Cheapskate franchise costs
The median SBA loan to a Uptown Cheapskate franchisee is $387K, and the middle half of Uptown Cheapskate's 114 loans run $271K to $562K (average $438K). Across all SBA-financed franchises the median loan is $350K. Uptown Cheapskate buyers borrow more 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 Uptown Cheapskate loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 113 Uptown Cheapskate loans where the SBA recorded a business age, 89.4% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Uptown Cheapskate
Uptown Cheapskate franchisees have financed with 114 SBA loans since FY2010, averaging $438K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (112 of the 114 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Uptown Cheapskate's 7(a) charge-off rate is 2.7% across 112 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Uptown Cheapskate
By SBA loan count
Where Uptown Cheapskate gets funded
Top states by loan count
- 1. Texas 27
- 2. Utah 8
- 3. Ohio 9
- 4. South Carolina 7
- 5. Michigan 7
- 6. California 7
- 7. Arizona 3
- 8. Virginia 7
Financing a Uptown Cheapskate?
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.
Uptown Cheapskate SBA financing FAQ
How much does a Uptown Cheapskate franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Uptown Cheapskate franchisee is $387K, and the middle half of Uptown Cheapskate's 114 loans run $271K to $562K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Uptown Cheapskate's franchise disclosure document.
Can you use an SBA loan for Uptown Cheapskate?
Yes. Lenders have funded 114 SBA loans to Uptown Cheapskate franchisees, worth $49.9M in all, so Uptown Cheapskate is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Uptown Cheapskate?
The data says yes: of Uptown Cheapskate's 113 SBA loans that record a business age, 89.4% 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 Uptown Cheapskate?
By loan count, the most active SBA lenders for Uptown Cheapskate are Wells Fargo Bank National Association, Citizens Bank, KeyBank National Association, among others. A lender already active with your brand often moves faster.
What is Uptown Cheapskate's SBA charge-off rate?
Across Uptown Cheapskate's 112 SBA 7(a) loans, 2.7% 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 Uptown Cheapskate?
Mostly 7(a): 112 of Uptown Cheapskate's 114 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Uptown Cheapskate loan term is 10 years.