How much does a YESCO cost to buy or open?

The typical deal for YESCO is $500K across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $55K of buyer cash on a typical deal.

YESCO has 5 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 YESCO with an SBA loan?

Yes — YESCO has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

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YESCO, 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 S1961)

5 deals since 2020 · typical deal $500K

Deals since 2020

$500K

Typical deal

Deals since FY2025

—

Too few deals to score risk

YESCO has 5 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 YESCO

Most YESCO deals financed between $150K and $527K. Above $527K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$500K

Monthly payment (10-yr): $6,539
Down payment (10%): $56K
Cash to close (all-in): $74K

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 ~$74K)

Experience

Recent financings

Project Combo, Inc. in Naples, FL — $1.8M (2024) · BankUnited, National Association
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term

YESCO, by the numbers

Recent financings

Who funds YESCO — and where

Common questions

How much does a YESCO cost to buy or open?

How risky is YESCO?

Can I finance a YESCO with an SBA loan?

AI summary