; therefore, revenue data on each franchise outlet are readily available. (8) While both the franchisor and the lender profit as a result of the SBA financing, only the franchisee bears the total liability for the loan. (b) Purpose It is the purpose of this Act to— (1) ensure transparency in the loan processes of the Small Business Administration, so that the franchisee borrower, the lender, and the Administration all have access to information that is key to the lending process; (2) remove any hidden discussions between the franchisor and the lender on financial data critical to the loan approval process; (3) lower the fees and rates charged to franchisee borrowers