Shine
13
SBA Loans
$3.4M
Total Financed
$261K
Avg Loan Size
—
YoY Loan Growth
How Shine Compares
- Ranks #59 of 169 Cleaning & Property Services brands by SBA loan count (#724 of 3,543 overall).
- Its average loan of $261K is 74% above the Cleaning & Property Services median of $150K.
- With only 13 loans on record, its own charge-off rate isn't statistically meaningful -- for context, Cleaning & Property Services brands overall see a 3.1% charge-off rate across 3,239 loans.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2020 | 1 | $150K |
| FY2023 | 5 | $2.3M |
| FY2024 | 3 | $370K |
| FY2025 | 4 | $555K |
FY2025 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Shine Is Getting SBA-Financed
Recent SBA-Financed Shine Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Shine growing or shrinking?
Shine doesn't have enough SBA loan activity in both FY2024 and FY2025 to calculate a reliable year-over-year trend. For context, it ranks #59 of 169 Cleaning & Property Services brands by total SBA loan count since FY2020 -- a snapshot of scale, if not of trend.
How much does it cost to open a Shine franchise?
We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $261K (74% above the typical Cleaning & Property Services brand's $150K) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for Shine?
Shine only has 13 SBA loans on record -- too few to calculate a meaningful charge-off rate on its own. For context, Cleaning & Property Services brands overall see a 3.1% charge-off rate across 3,239 loans.
Top SBA Lenders
- The Huntington National Bank4
- United Midwest Savings Bank National Association3
- Regions Bank2
- Manufacturers and Traders Trust Company2
- Northern Great Lakes Initiatives1
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset