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Joshua Tree, 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 S7003)

8 deals since 2020 · typical deal $492K

8

Deals since 2020

$492K

Typical deal

5

Deals since FY2025

—

Too few deals to score risk

Joshua Tree has 8 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 Joshua Tree

Most Joshua Tree deals financed between $388K and $620K. Above $620K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$6,434
Down payment (10%)
$55K
Cash to close (all-in)
$73K

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 ~$73K)

Experience

Recent financings

  • Joshua Tree Experts in Plymouth, CT — $707K (2026) · First Bank of the Lake
  • Eggs Holdings LLC in Midlothian, VA — $620K (2026) · North State Bank
  • Full Send Collective, Inc. in Dallas, TX — $575K (2026) · Climate First Bank
  • Tampa Quality Tree Lawn LLC in Tarpon Springs, FL — $350K (2026) · CDC Small Business Finance Corp.
  • Joshua Tree Experts in Watchung, NJ — $340K (2025) · First Bank of the Lake
  • Seed2Leaf, Inc. in Charlotte, NC — $492K (2024) · First Bank of the Lake
  • HAMM ENTERPRISE INC in Greenwood, IN — $489K (2024) · First Business Bank
  • DFW Enterprises LLC in Malvern, PA — $388K (2024) · Citizens Bank

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

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Joshua Tree brand mark

Who funds Joshua Tree — and where

Every dot is a financed Joshua Tree — 8 mapped.

Financed Joshua Tree locations — list all 8 as text

Top lenders for this brand

  1. 1.First Bank of the Lake(3)
  2. 2.Citizens Bank(1)
  3. 3.North State Bank(1)
  4. 4.Climate First Bank(1)
  5. 5.CDC Small Business Finance Corp.(1)

Most active states

  1. 1.Pennsylvania (1 loans)
  2. 2.Connecticut (1 loans)
  3. 3.Virginia (1 loans)
  4. 4.Texas (1 loans)
  5. 5.Florida (1 loans)
  6. 6.New Jersey (1 loans)
  7. 7.Indiana (1 loans)
  8. 8.North Carolina (1 loans)

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Common questions

How much does a Joshua Tree cost to buy or open?

The typical deal for Joshua Tree is $492K across 8 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $54K of buyer cash on a typical deal.

How risky is Joshua Tree?

Joshua Tree has 8 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 Joshua Tree with an SBA loan?

Yes — Joshua Tree has been SBA-financed 5 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Joshua Tree franchise

Most Joshua Tree 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 Joshua Tree deal financed for $492K, which points to about $54K of buyer cash on a typical purchase. Joshua Tree is listed in the SBA Franchise Directory (identifier S7003), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Joshua Tree — 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 Joshua Tree — 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 Joshua Tree — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Joshua Tree is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 8 SBA 7(a) deals since 2020
  • $492K typical deal
  • 5 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S7003)
  • Top lenders: First Bank of the Lake, Citizens Bank, North State Bank

Next steps

Check SBA fitFind 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/joshua-tree
API:
https://www.capbench.com/api/public/franchises/joshua-tree
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.

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

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