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.

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.

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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

Garner, by the numbers

Recent financings

Who funds Garner — and where

Common questions

How much does a Garner cost to buy or open?

How risky is Garner?

Can I finance a Garner with an SBA loan?

AI summary