Cosi: SBA-listed ✓
Cosi appears in the official SBA Franchise Directory — buyers can finance it with a 7(a) loan.
Listed
SBA Franchise Directory
S0426
SBA identifier
10/01/2017
Listed since
Addendum
Franchisor certified
No financed deals for Cosi appear in public lending records since 2020 — common for newer or smaller brands. Eligibility is what matters: the listing above means a 7(a) lender can fund your purchase or build-out today.
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Common questions
Is Cosi SBA approved?
Yes. Cosi is listed in the official SBA Franchise Directory under identifier S0426, listed since 10/01/2017. Listed brands are eligible for SBA 7(a) and 504 financing.
What does the listing require?
Cosi is listed and requires an SBA addendum to the franchise agreement (standard paperwork your lender handles). Your lender confirms current status at application.
How do I finance a Cosi?
The same 7(a) path as any franchise: 10% minimum down, 10-year terms, underwritten on the unit's cash flow. Talk to a lender who knows franchise lending before the LOI.
Agent summary
Cosi is listed in the official SBA Franchise Directory (identifier S0426, listed since 10/01/2017), making it eligible for SBA 7(a) financing. No financed Cosi deals appear in public records since 2020 — common for newer or smaller brands. DealRoom is not a lender and does not sell franchises.
- SBA Franchise Directory: listed
- SBA identifier: S0426
- Listed since 10/01/2017
- Requires standard SBA addendum
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-15.
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Directory status as of May 2026. Confirm current listing with your lender before an LOI. Not affiliated with Cosi.