Buying an AlphaGraphics franchise: SBA acquisition loan data
Since FY2018, SBA lenders have approved 14 7(a) loans to buy an existing AlphaGraphics (classified mostly as Commercial Printing (except Screen and Books)), totaling $9.4M. The median loan was $455,750, 29% lower than the $645,250 median for all SBA-financed acquisitions.
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What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of AlphaGraphics resale loans landed between $312,500 and $673,500.
- Lender experience exists. Wells Fargo Bank National Association alone has financed 2 AlphaGraphics resales.
- Guaranty. The SBA guaranteed 79% of the dollars lent here.
- What the file leaves out. The SBA file does not record franchisor transfer terms or fees.
Financing an AlphaGraphics resale
The median SBA 7(a) loan for an AlphaGraphics resale was $455,750 across 14 loans (FY2018 to FY2026). Wells Fargo Bank National Association, The Huntington National Bank and TransPecos Banks, SSB. have financed the most AlphaGraphics 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%.
AlphaGraphics acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 4 | $2.8M | $496,400 | |
| FY2019 | 4 | $3.2M | $525,000 | |
| FY2020 | 0 | $0 | - | |
| FY2021 | 4 | $2.6M | $510,250 | |
| FY2022 | 2 | $767K | $383,500 | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Fewer than 20 AlphaGraphics 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 AlphaGraphics resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National Association | 2 | 14.3% | $2.5M | |
| 2 | The Huntington National Bank | 2 | 14.3% | $879K | |
| 3 | TransPecos Banks, SSB. | 1 | 7.1% | $1.6M | |
| 4 | Customers Bank | 1 | 7.1% | $1.4M | |
| 5 | Manufacturers and Traders Trust Company | 1 | 7.1% | $600K | |
| 6 | First State Bank of Texas | 1 | 7.1% | $559K | |
| 7 | First Utah Bank | 1 | 7.1% | $450K | |
| 8 | Planters Bank and Trust Company | 1 | 7.1% | $350K | |
| 9 | The Bancorp Bank National Association | 1 | 7.1% | $300K | |
| 10 | Plumas Bank | 1 | 7.1% | $295K |
States where AlphaGraphics units are bought
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Texas | 4 | 28.6% | $2.9M | |
| 2 | Georgia | 2 | 14.3% | $823K | |
| 3 | Tennessee | 2 | 14.3% | $812K | |
| 4 | Arizona | 1 | 7.1% | $1.8M | |
| 5 | Pennsylvania | 1 | 7.1% | $1.4M | |
| 6 | Virginia | 1 | 7.1% | $600K | |
| 7 | Utah | 1 | 7.1% | $450K | |
| 8 | California | 1 | 7.1% | $295K | |
| 9 | Colorado | 1 | 7.1% | $241K |
Seller note standby terms and third-party consents are reviewed before closing.
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How lenders classify AlphaGraphics
Lenders code each loan to a NAICS industry. For AlphaGraphics the codes used were:
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Commercial Printing (except Screen and Books) | 13 | 92.9% | $8.9M | |
| 2 | Other Direct Selling Establishments | 1 | 7.1% | $462K |
Questions buyers ask
How much do buyers borrow to buy an AlphaGraphics franchise?
The median SBA 7(a) loan for an AlphaGraphics resale was $455,750 across 14 loans (FY2018 to FY2026). The middle half of loans ran from $312,500 to $673,500. 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 AlphaGraphics acquisitions?
Wells Fargo Bank National Association has made the most SBA acquisition loans for AlphaGraphics (2, 14% of the total). The Huntington National Bank, TransPecos Banks, SSB., Customers Bank follow.
What interest rate and term do AlphaGraphics acquisition loans carry?
The average initial rate at approval was 6.92% (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 AlphaGraphics resale riskier than other SBA-financed acquisitions?
Too few AlphaGraphics 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 AlphaGraphics units being bought with SBA loans?
Texas (4), Georgia (2), Tennessee (2), Arizona (1), Pennsylvania (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.
Seller note standby terms and third-party consents are reviewed before closing.
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Related
- All Commercial Printing (except Screen and Books) acquisitions
- Texas acquisitions
- Georgia acquisitions
- Tennessee acquisitions
- Wells Fargo Bank National Association
- The Huntington National Bank
- Customers Bank
- All franchise brands
Brand name as recorded by lenders in the SBA file: "AlphaGraphics" (franchise code S0094). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.