How much does a WSI cost to buy or open?

The typical deal for WSI is $150K across 13 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $17K of buyer cash on a typical deal.

WSI has 13 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 WSI with an SBA loan?

Yes — WSI has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

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WSI, 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 S1898)

13 deals since 2020 · typical deal $150K

Deals since 2020

$150K

Typical deal

Deals since FY2025

—

Too few deals to score risk

WSI has 13 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 WSI

Most WSI deals financed between $100K and $180K. Above $180K, 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

Barnaby Ventures, LLC in Thornton, CO — $75K (2026) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval

WSI, by the numbers

Recent financings

Who funds WSI — and where

Common questions

How much does a WSI cost to buy or open?

How risky is WSI?

Can I finance a WSI with an SBA loan?

AI summary