Garner, by the numbers

Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S8234)

3 deals since 2020 · typical deal $2.3M

Deals since 2020

$2.3M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Garner has 3 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Garner

Most Garner deals financed between $2.15M and $5.00M. Above $5.00M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$2.33M

Monthly payment (10-yr): $30,535
Down payment (10%): $259K
Cash to close (all-in): $358K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$358K)

Experience

Recent financings

Sulphur Lodging, LLC in Sulphur, LA — $2.3M (2026) · Farmers State Bank of Alto Pass, Illinois
Program
7a General
Rate at approval
9% variable
Term
309 months
SBA guaranteed
$1.8M (75%)
Approved
1/7/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
New Business or 2 years or less
Industry
Hotels (except Casino Hotels) and Motels
Funded by Farmers State Bank of Alto Pass, Illinois · Lender record →
Your business? Claim this record · Request removal
Garner by IHG in Tyler, TX — $2.1M (2026) · US Metro Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
303 months
SBA guaranteed
$1.6M (75%)
Approval → funding
5 days
Approved
11/14/2025
First disbursed
11/19/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Hotels (except Casino Hotels) and Motels
Funded by US Metro Bank · Lender record →
Your business? Claim this record · Request removal
ammireddy hotels llc in Charlotte, NC — $5.0M (2025) · HomeTrust Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
318 months
SBA guaranteed
$3.8M (75%)
Approved
9/19/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Hotels (except Casino Hotels) and Motels
Funded by HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

One of these businesses yours? Claim your listing or request removal.

Free · No documents · Usually same-day

Serious about buying a Garner?

Get qualified with a franchise lending specialist before discovery day — know your number first.

Who funds Garner — and where

Every dot is a financed Garner — 3 mapped.

Financed Garner locations — list all 3 as text

ammireddy hotels llc — Charlotte · $5.0M · FY2025 · Hotels (except Casino Hotels) and Motels
Garner by IHG — Tyler · $2.1M · FY2026 · Hotels (except Casino Hotels) and Motels
Sulphur Lodging, LLC — Sulphur · $2.3M · FY2026 · Hotels (except Casino Hotels) and Motels

Top lenders for this brand

Most active states

1.North Carolina (1 loans)
2.Texas (1 loans)
3.Louisiana (1 loans)

Represent Garner?

Claim this brand page free to keep the numbers in context, add your story, and hear about qualified buyers early.

Claim this listing

Insider move

Start with the lenders above — a bank that's funded Garner 1 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Garner lending specialist.

Common questions

How much does a Garner cost to buy or open?

The typical deal for Garner is $2.3M across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $257K of buyer cash on a typical deal.

How risky is Garner?

Garner has 3 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a Garner with an SBA loan?

Yes — Garner has been SBA-financed 3 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Garner franchise

Most Garner buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Garner deal financed for $2.3M, which points to about $257K of buyer cash on a typical purchase. Garner is listed in the SBA Franchise Directory (identifier S8234), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Garner — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.

AI summary

This profile summarizes public SBA financing activity for Garner — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.

Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.

Agent summary

This page summarizes public SBA 7(a) financing for Garner — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Garner is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

3 SBA 7(a) deals since 2020
$2.3M typical deal
3 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S8234)
Top lenders: HomeTrust Bank, US Metro Bank, Farmers State Bank of Alto Pass, Illinois

Next steps

Check SBA fit Find SBA lenders $9 lender report

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/franchises/garner
API:: https://www.capbench.com/api/public/franchises/garner
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.
Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.

Still have questions about buying a Garner?

Five minutes with a specialist who's seen Garner deals close answers more than an hour of searching. Free, usually same-day.

Represent Garner?

Claim this brand page to keep the numbers in context, add your story, and hear about qualified buyers early.

Claim this listing Request removal

CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Garner.