· 5 min read · Published Oct 15, 2025 ·
Can you get an SBA loan for a window tint franchise?
Polar Tint is listed on the SBA Franchise Directory (download the directory spreadsheet and search for “Polar Tint” to confirm). Being listed means qualified buyers can pursue SBA 7(a) financing.…
Quick answer
Yes. Polar Tint is listed on the SBA Franchise Directory, so qualified buyers can pursue SBA 7(a) financing. Typical down payment is a fraction of the total initial investment disclosed in FDD Item 7. For standard 7(a) loans, the SBA guarantees up to 85% of loans of $150,000 or less and up to 75% of larger loans (SBA.gov), which reduces the lender's risk.
SBA Franchise Directory listing
Polar Tint is listed on the SBA Franchise Directory (download the directory spreadsheet and search for "Polar Tint" to confirm). Being listed means qualified buyers can pursue SBA 7(a) financing. Under current SBA rules, a brand generally must be listed before a lender can process an SBA 7(a) loan for it.
How 7(a) works for franchise buyers
The SBA 7(a) program isn't a loan from the SBA — it's a guarantee to your lender. For standard 7(a) loans, the SBA guarantees up to 85% of loans of $150,000 or less and up to 75% of larger loans, and SBA rules cap the interest rate a lender can charge (SBA.gov). The lender sets the term and rate within those rules.
Down payments vary by operator experience, credit profile, and the lender's appetite, but run to a fraction of the total project cost disclosed in FDD Item 7. The rest is financed.
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What lenders want to see
A credit history your lender will review (each lender sets its own score threshold), two years of personal tax returns, liquidity statement, resume showing relevant business or operations experience, and a business plan with realistic projections. Build your window tint business plan and projections with your accountant.
Choosing a lender
Polar Tint does not offer direct or indirect financing (FDD Item 10). Timing and terms are set by your lender.
See /financing for an overview of common paths.
Weighing a window tint franchise?
Insight FAQ
Questions this insight answers.
In short, what does this Polar Tint insight cover?
Yes. Polar Tint is listed on the SBA Franchise Directory, so qualified buyers can pursue SBA 7(a) financing. Typical down payment is a fraction of the total initial investment disclosed in FDD Item 7. For standard 7(a) loans, the SBA guarantees up to 85% of loans of $150,000 or less and up to 75% of larger loans (SBA.gov), which reduces the lender's risk.
What about SBA Franchise Directory listing?
Polar Tint is listed on the SBA Franchise Directory (download the directory spreadsheet and search for "Polar Tint" to confirm). Being listed means qualified buyers can pursue SBA 7(a) financing. Under current SBA rules, a brand generally must be listed before a lender can process an SBA 7(a) loan for it.
How 7(a) works for franchise buyers?
The SBA 7(a) program isn't a loan from the SBA — it's a guarantee to your lender. For standard 7(a) loans, the SBA guarantees up to 85% of loans of $150,000 or less and up to 75% of larger loans, and SBA rules cap the interest rate a lender can charge (SBA.gov). The lender sets the term and rate within those rules.
What lenders want to see?
A credit history your lender will review (each lender sets its own score threshold), two years of personal tax returns, liquidity statement, resume showing relevant business or operations experience, and a business plan with realistic projections. Build your window tint business plan and projections with your accountant.
What about choosing a lender?
Polar Tint does not offer direct or indirect financing (FDD Item 10). Timing and terms are set by your lender.
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