Buying an Allegra franchise: SBA acquisition loan data
Since FY2018, SBA lenders have approved 12 7(a) loans to buy an existing Allegra (classified mostly as Commercial Printing (except Screen and Books)), totaling $5.8M. The median loan was $407,800, 37% lower than the $645,250 median for all SBA-financed acquisitions. 2 of these loans were approved in the last two fiscal years.
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What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of Allegra resale loans landed between $269,250 and $565,125.
- Lender experience exists. Stock Yards Bank & Trust Company alone has financed 2 Allegra resales.
- Guaranty. The SBA guaranteed 76% of the dollars lent here.
- What the file leaves out. The SBA file does not record franchisor transfer terms or fees.
Financing an Allegra resale
The median SBA 7(a) loan for an Allegra resale was $407,800 across 12 loans (FY2018 to FY2026). Stock Yards Bank & Trust Company, Zions Bancorporation, National Association and Celtic Bank Corporation have financed the most Allegra resales. Too few of these loans are old enough to measure a charge-off rate; the average for all SBA acquisition loans is 3.5%.
Allegra acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $512K | $256,000 | |
| FY2019 | 2 | $1.2M | $576,750 | |
| FY2020 | 1 | $279K | $279,000 | |
| FY2021 | 1 | $240K | $240,000 | |
| FY2022 | 3 | $2.8M | $851,000 | |
| FY2023 | 1 | $313K | $313,000 | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 2 | $514K | $256,800 | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Fewer than 20 Allegra acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Lenders financing Allegra resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Stock Yards Bank & Trust Company | 2 | 16.7% | $514K | |
| 2 | Zions Bancorporation, National Association | 1 | 8.3% | $1.5M | |
| 3 | Celtic Bank Corporation | 1 | 8.3% | $851K | |
| 4 | New York Business Development Corporation | 1 | 8.3% | $600K | |
| 5 | Florida Capital Bank, National Association | 1 | 8.3% | $554K | |
| 6 | U.S. Bank, National Association | 1 | 8.3% | $502K | |
| 7 | First Horizon Bank | 1 | 8.3% | $362K | |
| 8 | VelocitySBA, LLC | 1 | 8.3% | $313K | |
| 9 | Glacier Bank | 1 | 8.3% | $279K | |
| 10 | North State Bank | 1 | 8.3% | $240K |
States where Allegra units are bought
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Indiana | 2 | 16.7% | $514K | |
| 2 | Arizona | 1 | 8.3% | $1.5M | |
| 3 | Montana | 1 | 8.3% | $851K | |
| 4 | New York | 1 | 8.3% | $600K | |
| 5 | Maryland | 1 | 8.3% | $554K | |
| 6 | California | 1 | 8.3% | $502K | |
| 7 | North Carolina | 1 | 8.3% | $362K | |
| 8 | Texas | 1 | 8.3% | $313K | |
| 9 | Idaho | 1 | 8.3% | $279K | |
| 10 | Tennessee | 1 | 8.3% | $240K |
Seller note standby terms and third-party consents are reviewed before closing.
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How lenders classify Allegra
Lenders code each loan to a NAICS industry. For Allegra the codes used were:
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Commercial Printing (except Screen and Books) | 10 | 83.3% | $5.3M | |
| 2 | Commercial Screen Printing | 2 | 16.7% | $514K |
Questions buyers ask
How much do buyers borrow to buy an Allegra franchise?
The median SBA 7(a) loan for an Allegra resale was $407,800 across 12 loans (FY2018 to FY2026). The middle half of loans ran from $269,250 to $565,125. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Allegra acquisitions?
Stock Yards Bank & Trust Company has made the most SBA acquisition loans for Allegra (2, 17% of the total). Zions Bancorporation, National Association, Celtic Bank Corporation, New York Business Development Corporation follow.
What interest rate and term do Allegra acquisition loans carry?
The average initial rate at approval was 7.28% (a blend of fixed and variable loans across several rate environments, so treat it as context, not a quote). The median term was 10 years.
Is an Allegra resale riskier than other SBA-financed acquisitions?
Too few Allegra acquisition loans are old enough to measure. The benchmark for all SBA acquisition loans is 3.5% charged off in the FY2018 to FY2021 cohort.
Where are Allegra units being bought with SBA loans?
Indiana (2), Arizona (1), Montana (1), New York (1), Maryland (1). State counts follow where the brand has units and where SBA lending is most active generally; see the state pages for the overall picture.
Terms signed in the LOI shape the purchase agreement that follows.
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Related
- All Commercial Printing (except Screen and Books) acquisitions
- Indiana acquisitions
- Arizona acquisitions
- Montana acquisitions
- Stock Yards Bank & Trust Company
- Zions Bancorporation, National Association
- Celtic Bank Corporation
- All franchise brands
Brand name as recorded by lenders in the SBA file: "Allegra" (franchise code S0091). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.