How much does a FS8 cost to buy or open?

The typical deal for FS8 is $678K across 8 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $75K of buyer cash on a typical deal.

FS8 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 FS8 with an SBA loan?

Yes — FS8 has been SBA-financed 8 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

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FS8, 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 S8160)

8 deals since 2020 · typical deal $678K

Deals since 2020

$678K

Typical deal

Deals since FY2025

—

Too few deals to score risk

FS8 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 FS8

Most FS8 deals financed between $535K and $698K. Above $698K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$678K

Monthly payment (10-yr): $8,860
Down payment (10%): $75K
Cash to close (all-in): $101K

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 ~$101K)

Experience

Recent financings

Link107, LLC in Jacksonville, FL — $850K (2026) · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term

FS8, by the numbers

Recent financings

Who funds FS8 — and where

Common questions

How much does a FS8 cost to buy or open?

How risky is FS8?

Can I finance a FS8 with an SBA loan?

AI summary