Over the next 12 to 18 months, the SBA is rolling out some of the most consequential franchise financing changes in years, reshaping who qualifies for SBA-backed loans and how those loans are underwritten. For franchisors and development teams that rely on 7(a) and 504 financing to support growth, these are not minor compliance updates. They affect candidate eligibility, lender review, capital requirements, approval timelines, and ultimately how scalable a franchise model is when prospective owners need outside financing.