Best Prime IV Hydration & Wellness SBA Lenders (2027)
Prime IV Hydration & Wellness is on the SBA Franchise Directory (SBA Franchise Identifier Code S5188), so SBA lenders can finance a new or existing Prime IV Hydration & Wellness location with an SBA 7(a) loan. From FY2020 to FY2026, 20 SBA lenders made 64 loans totaling $19.8 million to Prime IV Hydration & Wellness owners, an average of $310K per loan at an average initial rate of 9.94%. Below are the lenders that fund this brand most often, what SBA requires, and how to apply. GoSBA takes your deal to the lenders that fit, and it costs you nothing.
SBA 7(a) FOIA data, FY2020 to FY2026 (through September 30, 2026), loans recorded under the Prime IV Hydration & Wellness franchise name. SBA Franchise Directory as of November 10, 2026.
By the GoSBA Loans team · Updated November 12, 2026 · Sources: SBA Franchise Directory (November 10, 2026) and SBA 7(a) FOIA loan data through September 30, 2026
Key Takeaways
- Prime IV Hydration & Wellness is SBA approved: it is on the SBA Franchise Directory under code S5188, listed since April 17, 2020.
- 64 SBA 7(a) loans went to Prime IV Hydration & Wellness owners from FY2020 to FY2026, about 9 a year, averaging $310K, smaller than the $839K average across all franchise brands.
- The Huntington National Bank, First Bank of the Lake and Newtek Bank are the most active Prime IV Hydration & Wellness lenders; the top 5 lenders made 70% of the brand’s SBA loans.
- You need at least 10% of the total project cost as equity on a new unit, and the average initial rate on Prime IV Hydration & Wellness loans was 9.94%, above the 8.18% average for all franchise loans.
Is Prime IV Hydration & Wellness SBA Approved?
Yes. Prime IV Hydration & Wellness is on the SBA Franchise Directory and eligible for SBA financing. SBA has reviewed the Prime IV Hydration & Wellness franchise agreement and issued SBA Franchise Identifier Code S5188. SBA lenders can finance a new or existing Prime IV Hydration & Wellness location with an SBA 7(a) or 504 loan without a separate franchise eligibility review, as long as the borrower and the deal qualify.
Under SOP 50 10 8.1, SBA’s current rulebook, a brand has to be on the SBA Franchise Directory before a lender can close an SBA 7(a) or 504 loan for it. The listing settles the franchise eligibility question only. You and the deal still have to qualify: a credit score most lenders want at 680 or higher, relevant experience, at least 10% of the total project cost from you, and projections that cover the loan payments.
SBA attaches conditions to this brand’s listing:
- If the real estate where the business sits is collateral for the SBA loan, the franchisor’s lease rider or addendum is not signed, so the lender keeps a clean lien on the property.
- If you also run the business under a management agreement with a third party, the lender has to review that agreement too.
Check any other brand in the SBA Franchise Directory search.
Yes. Prime IV Hydration & Wellness is on the SBA Franchise Directory and eligible for SBA financing.
SBA has reviewed the Prime IV Hydration & Wellness franchise agreement and issued SBA Franchise Identifier Code S5188. SBA lenders can finance a new or existing Prime IV Hydration & Wellness location with an SBA 7(a) or 504 loan without a separate franchise eligibility review, as long as the borrower and the deal qualify.
- Brand name on the directory
- Prime IV Hydration & Wellness
- SBA Franchise Identifier Code
- S5188
- Meets the FTC definition of a franchise
- Yes
- Franchisor certification received
- Yes
- On the directory since
- April 17, 2020
- If the real estate where the business sits is collateral for the SBA loan, the franchisor’s lease rider or addendum is not signed, so the lender keeps a clean lien on the property.
- If you also run the business under a management agreement with a third party, the lender has to review that agreement too.
SBA’s wording
1. Only the Unit Franchise Agreement is eligible.
2. When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Addendum to Lease & Collateral Assignment of Lease may not be executed.
3. If Applicant also operate under a management agreement with a third party, Lender/CDC must review the management agreement in accordance with SOP 50 10 to determine if there is affiliation between the Applicant and management company. The Applicant is not eligible if the management company is, or is affiliated with, the Franchisor.
SBA lenders that fund Prime IV Hydration & Wellness
20 lenders made 64 SBA 7(a) loans totaling $19.8M to Prime IV Hydration & Wellness owners from FY2020 to FY2026, an average of $310K at an average initial rate of 9.94%.
| # | Lender | Loans | Dollars | Avg Rate | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 35 | $7.2M | 10.10% | Apply Now |
| 2 | First Bank of the Lake | 4 | $1.8M | 10.19% | Apply Now |
| 3 | Newtek Bank | 2 | $1.8M | 11.25% | Apply Now |
| 4 | Stearns Bank | 2 | $994K | 11.00% | Apply Now |
| 5 | FWBank | 2 | $894K | 9.38% | Apply Now |
| 6 | VelocitySBA | 2 | $874K | 10.00% | Apply Now |
| 7 | Zions Bancorporation | 2 | $840K | 8.12% | Apply Now |
| 8 | Five Star Bank | 2 | $620K | 10.88% | Apply Now |
Full Prime IV Hydration & Wellness lender ranking, rates and how to qualify
Why SBA Lenders Fund Prime IV Hydration & Wellness
Between October 2019 and September 2026, SBA lenders approved 64 7(a) loans to Prime IV Hydration & Wellness franchisees, $19.8 million in all. That is roughly 9 loans a year, which puts Prime IV Hydration & Wellness at #141 of the 1,827 brands on the SBA Franchise Directory with any SBA lending in the period. Volume like that matters to you as a borrower: lenders that have closed dozens of Prime IV Hydration & Wellness loans know the brand’s Item 7 build-out costs, its Item 19 unit economics and its ramp-up curve, so they underwrite faster and with fewer surprises.
The average Prime IV Hydration & Wellness SBA loan was $310K, smaller than the $839K average across all franchise brands. Smaller loans point to leased locations, lighter build-outs and single-unit first-time owners, which is where SBA Express lines and community banks compete hardest.
The Huntington National Bank, First Bank of the Lake and Newtek Bank lead the brand by loan count, and the five most active lenders account for 70% of all Prime IV Hydration & Wellness SBA loans. That concentration means a few lenders have an actual Prime IV Hydration & Wellness program, with brand-specific credit boxes and franchisor relationships. Starting with them saves weeks. GoSBA works with 50+ SBA lenders and takes each Prime IV Hydration & Wellness deal to the ones that fit, at no cost to you.
Top Prime IV Hydration & Wellness SBA Lenders (2027)
Ranked by the number of SBA 7(a) loans to Prime IV Hydration & Wellness owners from FY2020 to FY2026. The Huntington National Bank, First Bank of the Lake and Newtek Bank lead the list. The right lender for you depends on whether this is your first unit or your fifth, the total project cost, real estate, and your state, which is why we take each deal to the lenders that fit.
| # | Lender | Prime IV Hydration & Wellness Loans | Dollars | Average Loan | Average Rate | |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 35 | $7.2M | $206K | 10.10% | Apply Now |
| 2 | First Bank of the Lake | 4 | $1.8M | $443K | 10.19% | Apply Now |
| 3 | Newtek Bank | 2 | $1.8M | $900K | 11.25% | Apply Now |
| 4 | Stearns Bank | 2 | $994K | $497K | 11.00% | Apply Now |
| 5 | FWBank | 2 | $894K | $447K | 9.38% | Apply Now |
| 6 | VelocitySBA | 2 | $874K | $437K | 10.00% | Apply Now |
| 7 | Zions Bancorporation | 2 | $840K | $420K | 8.12% | Apply Now |
| 8 | Five Star Bank | 2 | $620K | $310K | 10.88% | Apply Now |
| 9 | America First Federal Credit Union | 2 | $178K | $89K | 7.47% | Apply Now |
| 10 | WestStar Bank | 1 | $1.2M | $1.2M | 2.00% | Apply Now |
| 11 | Security Federal Bank | 1 | $513K | $513K | 9.50% | Apply Now |
| 12 | Valley National Bank | 1 | $467K | $467K | 10.50% | Apply Now |
| 13 | FDIC - Community Bank & Trust-West Georgia | 1 | $438K | $438K | 11.50% | Apply Now |
| 14 | KeyBank | 1 | $432K | $432K | 10.99% | Apply Now |
| 15 | Magnifi Financial CU | 1 | $398K | $398K | 11.25% | Apply Now |
Average rate is the simple average of the initial interest rate at approval. Most SBA loans are variable and priced off the prime rate, so loans approved in 2021 carry much lower rates than loans approved in 2024, and a lender that lent mostly in low-rate years looks cheaper here than it is today. See all 20 lenders for Prime IV Hydration & Wellness in the Lender Finder
Prime IV Hydration & Wellness SBA Loan Requirements And Terms
SBA 7(a) is the main loan program for opening a franchise. The brand’s listing on the SBA Franchise Directory removes the eligibility question, and the rest follows the same rules as every startup SBA loan.
10% From You
SBA requires at least 10% of the total project cost as your equity injection on a new business, and the lender cannot waive it. Savings, gifts and retirement funds all count; borrowed money counts only if you repay it from outside income.
What The Loan Can Pay For
The franchise fee, build-out and leasehold improvements, equipment, signage, opening inventory, training travel and working capital for the first months can all be in the project. Real estate you buy for the location can be included too.
Up To $5 Million
An SBA 7(a) loan goes up to $5 million per borrower. Multi-unit operators can finance several locations as long as the combined SBA exposure stays under the cap.
10 Years, 25 For Real Estate
Loans for the franchise fee, build-out, equipment and working capital repay over up to 10 years with no balloon. If you buy the building, that part can run up to 25 years.
Rates Follow Prime
Most Prime IV Hydration & Wellness loans are variable, at the prime rate plus a spread SBA caps by loan size. The average initial rate on Prime IV Hydration & Wellness loans since FY2020 was 9.94%, across years when prime ranged from 3.25% to 8.5%.
Projections, Not History
A new unit has no tax returns, so the lender underwrites your projections against the franchisor’s Item 19 earnings data, your experience and your personal finances. Owners of 20% or more personally guarantee the loan.
How Much Does It Cost To Finance A Prime IV Hydration & Wellness?
The loan follows the project budget in the franchisor’s FDD Item 7. The example below uses the brand’s actual average SBA loan to show how a typical deal is split between you and the lender.
Example: A Prime IV Hydration & Wellness At The Brand’s Average Loan
| Total project (franchise fee, build-out, equipment, working capital) | $344,000 |
| Your equity injection (10%) | $34,000 |
| SBA 7(a) loan (90%) | About $310,000 |
| Repayment term | 10 years, 25 for real estate |
Built from the $310K average SBA loan to Prime IV Hydration & Wellness owners, FY2020 to FY2026. Illustration only; your franchisor’s FDD Item 7 gives the real range of opening costs, and some lenders ask for more than 10%.
Rates on SBA 7(a) loans are usually variable at prime plus a spread SBA caps by loan size; the historical average on Prime IV Hydration & Wellness loans is 9.94%. Guarantee fees are set by SBA and can be financed, and there is no prepayment penalty on loans with terms under 15 years.
Buying An Existing Prime IV Hydration & Wellness Instead?
Resales are underwritten on the unit’s actual tax returns, with a 10% Down Payment of which up to half can be a seller note on full standby. How SBA loans for franchise resales work.
How To Apply For A Prime IV Hydration & Wellness SBA Loan
One team from the first call to opening day. You never pay us; the lender does, after closing.
Tell Us About The Franchise
Send the brand, the location and roughly what the total project will cost. It takes about 2 minutes and costs nothing.
We Match You To Lenders
We take your deal to the SBA lenders that already fund this brand, from our network of 50+, and you choose the best offer.
Underwriting
We package the franchise agreement, your projections and your financials, and handle lender questions until approval.
Close And Open
We run the closing checklist with the lender, the franchisor and your landlord until the loan funds.
Documents You Will Need
Lenders ask for the same core package on every franchise loan. Prime IV Hydration & Wellness’s FDD does a lot of the work: Item 7 sets the project budget and Item 19 supports your projections. We help you gather anything missing and send it to lenders in one clean package.
- Franchise Disclosure Document (FDD) and the signed or draft franchise agreement
- Franchisor approval letter or confirmation you are in the approval process
- Business plan with 2 to 3 years of monthly projections
- Opening cost breakdown (FDD Item 7) and build-out bids
- Signed lease or letter of intent for the location
- Your last 3 years of personal tax returns
- Personal financial statement and resume
- Proof of your 10% equity injection
- Business tax returns for the last 3 years, if you already own units
What Borrowers Say
Many a loan broker couldn’t get our deal over the line but Ishan said he could and he delivered 110%.
Early in my search they quickly provided a strong SBA pre-qualification letter that helped me stand out with sellers.
Prime IV Hydration & Wellness SBA Loan FAQ
Is Prime IV Hydration & Wellness SBA approved?
Yes. Prime IV Hydration & Wellness is on the SBA Franchise Directory under SBA Franchise Identifier Code S5188, listed since April 17, 2020. That means SBA lenders can finance a Prime IV Hydration & Wellness with a 7(a) or 504 loan without a separate franchise eligibility review.
How much do I need down for a Prime IV Hydration & Wellness SBA loan?
At least 10% of the total project cost, and the lender cannot waive it on a new business. At the brand’s average SBA loan of $310K, the typical total project is about $344K, so you would bring about $34K. Savings, gifts and retirement funds all count.
Which banks give SBA loans for Prime IV Hydration & Wellness?
The Huntington National Bank, First Bank of the Lake and Newtek Bank made the most SBA loans to Prime IV Hydration & Wellness owners from FY2020 to FY2026, and 20 lenders funded the brand in total. The best lender depends on your project size, state, real estate and whether this is your first unit. We take your deal to the lenders that fit from our network of 50+.
What interest rate will I pay on a Prime IV Hydration & Wellness SBA loan?
Most SBA 7(a) loans are variable at the prime rate plus a spread that SBA caps by loan size, currently up to 3% over prime on loans above $350,000. The average initial rate on Prime IV Hydration & Wellness loans since FY2020 was 9.94%, across years when prime ranged from 3.25% to 8.5%. Your rate depends on the lender, the loan size and your credit, and we negotiate it for you.
Can I get an SBA loan to buy an existing Prime IV Hydration & Wellness?
Yes. A resale is underwritten on the unit’s tax returns and needs a 10% Down Payment, of which up to half can be a seller note on full standby. The franchisor still has to approve you as the new franchisee.
What does GoSBA cost?
Nothing. We are paid by the lender after your loan closes, not by you. GoSBA funded $320M across 126 loans in 2025, working with 50+ lenders.
Other Franchises SBA Lenders Fund
Keep reading: SBA Franchise Directory Search · Best 100 SBA Franchise Lenders · SBA Loans To Buy An Existing Franchise · SBA Lender Finder · Top 100 SBA Lenders
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