Franchise financing
X-Golf franchise financing
What it costs to finance a X-Golf 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
- 169
- Total funded
- $96.8M
- Median loan
- $535K
- 7(a) charge-off
- 0.6%
What financing a X-Golf franchise costs
The median SBA loan to a X-Golf franchisee is $535K, and the middle half of X-Golf's 169 loans run $50K to $999K (average $573K). Across all SBA-financed franchises the median loan is $350K. X-Golf 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 X-Golf loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 167 X-Golf loans where the SBA recorded a business age, 97.0% went to new businesses two years old or younger. The rest funded existing operations.
How to finance X-Golf
X-Golf franchisees have financed with 169 SBA loans since FY2010, averaging $573K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (167 of the 169 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
X-Golf's 7(a) charge-off rate is 0.6% across 167 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance X-Golf
By SBA loan count
Where X-Golf gets funded
Top states by loan count
- 1. Illinois 30
- 2. Michigan 34
- 3. Ohio 13
- 4. New York 9
- 5. Texas 9
- 6. Wisconsin 12
- 7. Virginia 8
- 8. Washington 5
Financing a X-Golf?
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.
X-Golf SBA financing FAQ
How much does a X-Golf franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a X-Golf franchisee is $535K, and the middle half of X-Golf's 169 loans run $50K to $999K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of X-Golf's franchise disclosure document.
Can you use an SBA loan for X-Golf?
Yes. Lenders have funded 169 SBA loans to X-Golf franchisees, worth $96.8M in all, so X-Golf is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for X-Golf?
The data says yes: of X-Golf's 167 SBA loans that record a business age, 97.0% 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 X-Golf?
By loan count, the most active SBA lenders for X-Golf are The Huntington National Bank, Summit Bank, Old National Bank, among others. A lender already active with your brand often moves faster.
What is X-Golf's SBA charge-off rate?
Across X-Golf's 167 SBA 7(a) loans, 0.6% 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 X-Golf?
Mostly 7(a): 167 of X-Golf's 169 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median X-Golf loan term is 10 years.