Buying a Suburban Studios franchise: SBA acquisition loan data
Since FY2018, SBA lenders have approved 9 7(a) loans to buy an existing Suburban Studios (classified mostly as Hotels (except Casino Hotels) and Motels), totaling $29.1M. The median loan was $3,173,000, 392% higher 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 Suburban Studios resale loans landed between $2,805,000 and $3,281,000.
- Lender experience exists. GBank alone has financed 6 Suburban Studios resales.
- Guaranty. The SBA guaranteed 75% of the dollars lent here.
- What the file leaves out. The SBA file does not record franchisor transfer terms or fees.
Financing a Suburban Studios resale
The median SBA 7(a) loan for a Suburban Studios resale was $3,173,000 across 9 loans (FY2018 to FY2026). GBank, The Huntington National Bank and Commonwealth Business Bank have financed the most Suburban Studios 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%.
Suburban Studios acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 1 | $3.3M | $3,281,000 | |
| FY2021 | 0 | $0 | - | |
| FY2022 | 0 | $0 | - | |
| FY2023 | 2 | $6.4M | $3,175,500 | |
| FY2024 | 4 | $14.3M | $3,549,250 | |
| FY2025 | 1 | $2.1M | $2,050,000 | |
| FY2026 | 1 | $3.2M | $3,173,000 |
How often do these acquisition loans fail?
Fewer than 20 Suburban Studios 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 Suburban Studios resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | GBank | 6 | 66.7% | $19.6M | |
| 2 | The Huntington National Bank | 1 | 11.1% | $3.2M | |
| 3 | Commonwealth Business Bank | 1 | 11.1% | $3.2M | |
| 4 | The MINT National Bank | 1 | 11.1% | $3.2M |
States where Suburban Studios units are bought
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Georgia | 4 | 44.4% | $11.4M | |
| 2 | North Carolina | 2 | 22.2% | $9.3M | |
| 3 | Maryland | 1 | 11.1% | $3.2M | |
| 4 | Florida | 1 | 11.1% | $3.2M | |
| 5 | Missouri | 1 | 11.1% | $2.1M |
Terms signed in the LOI shape the purchase agreement that follows.
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Questions buyers ask
How much do buyers borrow to buy a Suburban Studios franchise?
The median SBA 7(a) loan for a Suburban Studios resale was $3,173,000 across 9 loans (FY2018 to FY2026). The middle half of loans ran from $2,805,000 to $3,281,000. 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 Suburban Studios acquisitions?
GBank has made the most SBA acquisition loans for Suburban Studios (6, 67% of the total). The Huntington National Bank, Commonwealth Business Bank, The MINT National Bank follow.
What interest rate and term do Suburban Studios acquisition loans carry?
The average initial rate at approval was 8.50% (a blend of fixed and variable loans across several rate environments, so treat it as context, not a quote). The median term was 25 years.
Is a Suburban Studios resale riskier than other SBA-financed acquisitions?
Too few Suburban Studios 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 Suburban Studios units being bought with SBA loans?
Georgia (4), North Carolina (2), Maryland (1), Florida (1), Missouri (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.
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Related
- All Hotels (except Casino Hotels) and Motels acquisitions
- Georgia acquisitions
- North Carolina acquisitions
- Maryland acquisitions
- GBank
- The Huntington National Bank
- Commonwealth Business Bank
- All franchise brands
Brand name as recorded by lenders in the SBA file: "Suburban Studios ES" (franchise code S1638). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.