Buying a Marco's Pizza franchise: SBA acquisition loan data
Since FY2018, SBA lenders have approved 27 7(a) loans to buy an existing Marco's Pizza (classified mostly as Limited-Service Restaurants), totaling $14.1M. The median loan was $336,800, 48% lower than the $645,250 median for all SBA-financed acquisitions. 3 of these loans were approved in the last two fiscal years.
Seller note standby terms and third-party consents are reviewed before closing.
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What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of Marco's Pizza resale loans landed between $206,500 and $639,000.
- Lender experience exists. Live Oak Banking Company alone has financed 6 Marco's Pizza resales.
- Guaranty. The SBA guaranteed 78% of the dollars lent here.
- What the file leaves out. The SBA file does not record franchisor transfer terms or fees.
Financing a Marco's Pizza resale
The median SBA 7(a) loan for a Marco's Pizza resale was $336,800 across 27 loans (FY2018 to FY2026). Live Oak Banking Company, Western State Bank and First National Bank of Omaha have financed the most Marco's Pizza 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%.
Marco's Pizza acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $653K | $326,450 | |
| FY2019 | 4 | $1.2M | $195,600 | |
| FY2020 | 2 | $810K | $405,000 | |
| FY2021 | 8 | $6M | $541,000 | |
| FY2022 | 2 | $2.3M | $1,170,000 | |
| FY2023 | 1 | $200K | $200,000 | |
| FY2024 | 5 | $1.8M | $219,100 | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 3 | $1.2M | $360,200 |
How often do these acquisition loans fail?
Fewer than 20 Marco's Pizza 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.
Seller note standby terms and third-party consents are reviewed before closing.
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Lenders financing Marco's Pizza resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 6 | 22.2% | $7.3M | |
| 2 | Western State Bank | 3 | 11.1% | $650K | |
| 3 | First National Bank of Omaha | 1 | 3.7% | $918K | |
| 4 | Fifth Third Bank | 1 | 3.7% | $728K | |
| 5 | North State Bank | 1 | 3.7% | $618K | |
| 6 | Byline Bank | 1 | 3.7% | $500K | |
| 7 | Customers Bank | 1 | 3.7% | $433K | |
| 8 | Oriental Bank | 1 | 3.7% | $360K | |
| 9 | Central Bank | 1 | 3.7% | $339K | |
| 10 | The Huntington National Bank | 1 | 3.7% | $337K |
States where Marco's Pizza units are bought
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Georgia | 6 | 22.2% | $2.1M | |
| 2 | Colorado | 5 | 18.5% | $6.8M | |
| 3 | Florida | 3 | 11.1% | $674K | |
| 4 | Michigan | 3 | 11.1% | $669K | |
| 5 | Texas | 2 | 7.4% | $1.2M | |
| 6 | California | 2 | 7.4% | $530K | |
| 7 | Tennessee | 2 | 7.4% | $523K | |
| 8 | North Carolina | 1 | 3.7% | $728K | |
| 9 | Nevada | 1 | 3.7% | $464K | |
| 10 | Puerto Rico | 1 | 3.7% | $360K |
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
How lenders classify Marco's Pizza
Lenders code each loan to a NAICS industry. For Marco's Pizza the codes used were:
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Limited-Service Restaurants | 24 | 88.9% | $13.2M | |
| 2 | Full-Service Restaurants | 2 | 7.4% | $750K | |
| 3 | Cafeterias, Grill Buffets, and Buffets | 1 | 3.7% | $185K |
Questions buyers ask
How much do buyers borrow to buy a Marco's Pizza franchise?
The median SBA 7(a) loan for a Marco's Pizza resale was $336,800 across 27 loans (FY2018 to FY2026). The middle half of loans ran from $206,500 to $639,000. 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 Marco's Pizza acquisitions?
Live Oak Banking Company has made the most SBA acquisition loans for Marco's Pizza (6, 22% of the total). Western State Bank, First National Bank of Omaha, Fifth Third Bank follow.
What interest rate and term do Marco's Pizza acquisition loans carry?
The average initial rate at approval was 7.45% (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 a Marco's Pizza resale riskier than other SBA-financed acquisitions?
Too few Marco's Pizza 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 Marco's Pizza units being bought with SBA loans?
Georgia (6), Colorado (5), Florida (3), Michigan (3), Texas (2). State counts follow where the brand has units and where SBA lending is most active generally; see the state pages for the overall picture.
The purchase agreement decides what you bought, not the loan approval.
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Related
- All Limited-Service Restaurants acquisitions
- Georgia acquisitions
- Colorado acquisitions
- Florida acquisitions
- Live Oak Banking Company
- First National Bank of Omaha
- Fifth Third Bank
- All franchise brands
Brand name as recorded by lenders in the SBA file: "Marco's Pizza" (franchise code S1079). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.