Is the SBA Looking at Franchise Start-Up Loans Differently?

Is the SBA Looking at Franchise Start-Up Loans Differently?
Yes, franchise start-up loans have been more difficult. Lenders are looking more closely at the debt to income ratios to be 1.25 or higher. SBA lenders are reviewing the history and default rate of the franchise system. Lender’s want to know how well the industry is doing. They even go as far as looking at their own loan portfolio to see if lending in certain states is a problem.

Since franchise start-up loans (less risky than a non-franchise start-up but riskier than real estate, expansion or acquisition loans) need time to become profitable, lenders want to be sure borrowers have another source of outside income and plenty of reserve during the new owner transition.

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Here’s A Little Bit About Me. 20+ years in the finance industry, I rose to the level of Assistant V.P. with Chase Manhattan. While working for Chase, I decided that I wanted to have residual income without having to quit my job. I bought my first apartment building in 1996, three days before my wedding. In 2001, I decided I would leave the corporate world and work for myself in a net branch environment. My passions are helping people get commercial mortgage loans. I also am passionate about investing, working out and being with my family and friends.

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