How much does a PMI cost to buy or open?

The typical deal for PMI is $150K across 16 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $17K of buyer cash on a typical deal.

PMI has 16 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 PMI with an SBA loan?

Yes — PMI has been SBA-financed 16 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

← All franchises Claim this listing

PMI, 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 S8126)

16 deals since 2020 · typical deal $150K

Deals since 2020

$150K

Typical deal

Deals since FY2025

—

Too few deals to score risk

PMI has 16 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 PMI

Most PMI deals financed between $150K and $700K. Above $700K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$150K

Monthly payment (10-yr): $2,218
Down payment (10%): $17K
Cash to close (all-in): $21K

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 ~$21K)

Experience

Recent financings

KAPS Unlimited LLC, a Texas Limited Liability Company in Lakeway, TX — $925K (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.25% variable

PMI, by the numbers

Recent financings

Who funds PMI — and where

Common questions

How much does a PMI cost to buy or open?

How risky is PMI?

Can I finance a PMI with an SBA loan?

AI summary