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Financing a FASTSIGNS with an SBA loan

Since FY2020, 45 FASTSIGNS locations changed hands on an SBA 7(a) loan. Here is what those deals looked like, what the brand costs to open, which lenders wrote the loans, and where the brand stands with the SBA.

FASTSIGNS franchising: fsfastsigns.com

Acquisition loans
45
since FY2020
Median loan size
$571,000
FY2025 to FY2026 Q3
Median rate
9.25%
at approval
Total approved
$12M
FY2025 to FY2026 Q3

What a FASTSIGNS deal looks like

FASTSIGNS is an established brand in the SBA loan file: 45 acquisitions cleared underwriting in the last five years. The median loan was $571,000 at 9.25 percent. Amortized over 10 years, that is about $7,311 a month, or $87,728 a year in debt service. SBA's 10 percent minimum equity injection on a deal that size is roughly $63,444 of buyer cash, some of which a seller note on standby can sometimes cover.

Illustrative only: the median loan is not a purchase price, and every deal differs. Model your own in the deal analyzer or the DSCR calculator.

7(a) or 504 for a FASTSIGNS?

FASTSIGNS is typically a leasehold business: the value is goodwill, equipment, and the brand, not real estate. That points to an SBA 7(a) loan, usually amortized over 10 years. The 504 program, which finances owner-occupied real estate, is rarely the fit here unless the deal happens to include a building. Model the payment in the 7(a) calculator and check coverage in the DSCR calculator.

What it costs to open a FASTSIGNS

These are FASTSIGNS's own franchise terms, set by the franchisor and separate from the SBA loan. They matter to a buyer because the franchise fee and the build-out are part of the project the loan has to cover, and lenders weigh the net-worth and liquidity minimums when they size a deal.

Total initial investment
$215,194 to $377,334
Initial franchise fee
$49,750
Ongoing royalty
6% of gross sales
Net worth required
$300,000
Liquid capital required
$80,000

Signs, graphics & visual communications (B2B print), figures from the 2025 FDD. Sources: Franchise Chatter — FASTSIGNS Franchise Review 2026 (2025 FDD figures), FASTSIGNS franchisor site — Investment page (net worth, liquidity, fee), Franchise Chatter — FDD Talk 2024 review (Item 7, fee, service fee structure), Franchise Chatter — FASTSIGNS Detailed Franchise Costs (2025 FDD, full-service center Item 7 range). Franchise economics are drawn from each brand's public Franchise Disclosure Document (FDD Items 5 and 7) and reputable third-party franchise databases, compiled for independent editorial reference. The Closing Binder is not affiliated with, endorsed by, or sponsored by any franchisor listed. Franchise fee, investment, royalty, and net-worth figures are set by the franchisor and change with each FDD; confirm current terms in the brand's latest FDD before relying on them.

Lenders that actually write these

The banks below approved the most FASTSIGNS acquisitions in the file. A lender that has funded this brand before is the fastest path through underwriting.

SBA conditions on this brand

FASTSIGNS is listed in the SBA Franchise Directory with no brand-specific lender conditions on file. A lender still runs the standard franchise review, but there is no special addendum or lease restriction attached to this brand.

Frequently asked questions

How much does it cost to buy a FASTSIGNS franchise?

Opening a FASTSIGNS takes a total initial investment of about $215,194 to $377,334, including a $49,750 initial franchise fee, per the brand's FDD. Buying an existing location is priced differently: the median SBA 7(a) acquisition loan for FASTSIGNS was $571,000 in the federal loan file.

Can you buy a FASTSIGNS with an SBA loan?

Yes. 45 FASTSIGNS locations were acquired with SBA 7(a) financing since FY2020, and the brand is listed in the SBA Franchise Directory. A lender runs the standard SBA franchise review as part of underwriting.

How much do you need for a down payment on a FASTSIGNS?

SBA requires a minimum 10 percent equity injection. On the median FASTSIGNS loan of $571,000, that is roughly $63,444 of buyer cash, though a seller note kept on full standby can cover part of it. The rest is financed over about 10 years, around $7,311 a month at the median rate.

Which lenders finance FASTSIGNS acquisitions?

Live Oak Banking Company, Farmers Bank, Frankfort, Indiana and Fulton Bank, National Association wrote the most FASTSIGNS acquisition loans in the federal file. A lender that has funded the brand before knows its franchise agreement and tends to move faster. See the full lender detail above.

Other business services brands buyers finance

Loan counts, median size, median rate, and lender ranking are computed from the SBA 7(a) FOIA file, change of ownership approvals, FY2025 to FY2026 Q3, as of June 30, 2026. Eligibility, the identifier code, and any conditions are from the SBA Franchise Directory, effective August 11, 2026. Franchise cost figures are from FASTSIGNS's public FDD and third-party franchise databases. We are not affiliated with, endorsed by, or sponsored by FASTSIGNS or its franchisor, and directory listing is not an endorsement of any individual deal. Methodology.