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What do you mean “go in as a startup company”? Do you mean apply for the loan? If that’s the case then yes, it’s a startup. What determines that is your current revenues. Just because you’re getting a franchise doesn’t mean that the revenue from other franchise locations has anything to do with your operation. If you struggle then they won’t be giving you money to sustain yourself. So if you have no revenue then you’re considered a startup.
You can check out our SBA loan rates article to learn about what the current rates you’re likely to get are. They could be going up in the first quarter of the year, so you’ve chosen a good time to take action. I would expect that you’ll be required to put 10-20% down on this type of loan as well, depending on what your credit profile looks like.