What businesses actually sell for
Real numbers from 16,474+ SBA-financed business purchases since FY2024 — loan sizes by industry, the rates buyers actually paid, and the franchises changing hands most.
Last reviewed June 2026 · Written against SOP 50 10 8 and current SBA notices
16,474
Purchases financed (FY24+)
8.72%
Avg rate, FY2026 deals
$773K
Median loan, retail
The
Most-financed franchise
Typical acquisition loan by industry
Loan size tracks purchase price closely on 90%-financed deals. Each figure is the typical loan in its industry — half of deals cost more, half cost less — from every change-of-ownership 7(a) loan approved since October 2023.
| Industry | Deals | Typical loan | Avg rate |
|---|---|---|---|
| Retail | 2,863 | $773K | 9.51% |
| Restaurants & hospitality | 2,771 | $600K | 9.55% |
| Repair & personal services | 1,800 | $606K | 9.55% |
| Construction & trades | 1,750 | $780K | 9.65% |
| Healthcare | 1,416 | $678K | 9.51% |
| Professional services | 1,353 | $685K | 9.58% |
| Manufacturing | 1,165 | $762K | 9.35% |
| Facilities & business services | 1,064 | $500K | 9.69% |
| Wholesale & distribution | 615 | $935K | 9.5% |
| Transportation & logistics | 420 | $988K | 9.86% |
| Recreation & fitness | 400 | $459K | 9.61% |
| Real estate services | 305 | $877K | 9.2% |
| Finance & insurance | 282 | $691K | 9.8% |
| Education & training | 184 | $443K | 9.54% |
| Media & software | 86 | $713K | 9.55% |
The rates buyers actually paid
Rate caps tell you the ceiling. The 3,040 acquisition loans approved in FY2026 closed at an average initial rate of 8.72% — under the current cap, and proof that lenders compete on real files. See today's caps for the full table.
Most-financed franchises
Franchise resales and openings the SBA financed most since FY2024:
- 1.The UPS Store (110 loans)
- 2.Quality Inn by Choice Hotels /Quality Inn & Suites by Choice (44 loans)
- 3.Super 8 by Wyndhan (40 loans)
- 4.Subway (36 loans)
- 5.Days Inn by Wyndham (36 loans)
- 6.Domino's (31 loans)
- 7.Home Instead/Home Instead Senior Care (23 loans)
- 8.Budget Blinds (23 loans)
- 9.Best Western / Best Western Plus - Membership Agreement (21 loans)
- 10.Red Roof Inn (20 loans)
- 11.Ace Hardware (20 loans)
- 12.Crumbl (20 loans)
AI summary
This page summarizes real SBA 7(a) change-of-ownership lending from 16,474+ funded business purchases since FY2024: the typical acquisition loan size by industry, the average initial rate buyers actually paid on FY2026 deals, and the franchise brands the SBA financed most often. Use it to sanity-check a purchase price or expected rate before signing an LOI. This is general information, not legal, tax, or financial advice, and 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.
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