Franchise financing
ZAXBY'S franchise financing
What it costs to finance a ZAXBY'S 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
- 275
- Total funded
- $294.3M
- Median loan
- $851K
- 7(a) charge-off
- 1.4%
What financing a ZAXBY'S franchise costs
The median SBA loan to a ZAXBY'S franchisee is $851K, and the middle half of ZAXBY'S's 275 loans run $534K to $1.3M (average $1.1M). Across all SBA-financed franchises the median loan is $350K. ZAXBY'S 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 ZAXBY'S loan runs 20 years. Model your numbers with the franchise financing calculator.
Of the 233 ZAXBY'S loans where the SBA recorded a business age, 35.2% went to new businesses two years old or younger. The rest funded existing operations.
How to finance ZAXBY'S
ZAXBY'S franchisees have financed with 275 SBA loans since FY2010, averaging $1.1M each. Of those, 141 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 134 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
ZAXBY'S's 7(a) charge-off rate is 1.4% across 141 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance ZAXBY'S
By SBA loan count
Where ZAXBY'S gets funded
Top states by loan count
- 1. Florida 54
- 2. Georgia 40
- 3. North Carolina 39
- 4. Tennessee 25
- 5. Alabama 26
- 6. Virginia 14
- 7. South Carolina 12
- 8. Mississippi 10
Financing a ZAXBY'S?
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.
ZAXBY'S SBA financing FAQ
How much does a ZAXBY'S franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a ZAXBY'S franchisee is $851K, and the middle half of ZAXBY'S's 275 loans run $534K to $1.3M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of ZAXBY'S's franchise disclosure document.
Can you use an SBA loan for ZAXBY'S?
Yes. Lenders have funded 275 SBA loans to ZAXBY'S franchisees, worth $294.3M in all, so ZAXBY'S is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for ZAXBY'S?
The data says yes: of ZAXBY'S's 233 SBA loans that record a business age, 35.2% 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 ZAXBY'S?
By loan count, the most active SBA lenders for ZAXBY'S are United Community Bank, Florida Business Development Corporation, Live Oak Banking Company, among others. A lender already active with your brand often moves faster.
What is ZAXBY'S's SBA charge-off rate?
Across ZAXBY'S's 141 SBA 7(a) loans, 1.4% 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 ZAXBY'S?
Both. Of ZAXBY'S's 275 SBA loans, 141 were 7(a) (franchise fee, build-out, equipment, working capital) and 134 were 504 (owner-occupied real estate). The median ZAXBY'S loan term is 20 years.