What is the scheduled monthly payment amount for the SBA loan that Aw obtained?

According to Aw's 2025 Franchise Disclosure Document, the company obtained a note payable of $25,900 from the US Small Business Administration (SBA) in 2020. This note is collateralized by the company's assets and carries an interest rate of 3.75% with a term of 30 years. The scheduled monthly payments are $120, and they began in 2023.

For a prospective Aw franchisee, this information is relevant because it shows the terms of a loan that the franchisor, Rayyan Pizza Franchise LLC, has obtained. While this is not directly related to the franchisee's potential financing, it provides insight into the franchisor's financial management and its ability to secure funding. Understanding the franchisor's debt obligations can help a franchisee assess the financial stability of the franchise system.

The fact that Aw was able to secure an SBA loan may be seen as a positive sign, as it indicates that a reputable lending institution found the company to be creditworthy. The loan terms, such as the interest rate and repayment schedule, also provide a benchmark for evaluating the franchisor's financial planning. However, it is important to note that the franchisor's debt obligations are separate from the franchisee's, and each franchisee will need to secure their own financing to establish their business.

It is also important to note that while the franchisor's loan may provide some insight into its financial health, prospective franchisees should conduct their own due diligence and consult with financial advisors to assess the risks and opportunities associated with investing in an Aw franchise. This includes reviewing the franchisor's financial statements, understanding the franchise agreement, and evaluating the overall market conditions in their target area.