SBA lending record
Shine-Hi LLC
531 West HIGHWAY 50, O Fallon, IL 62269 · Limited-Service Restaurants. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.
$2.5M
Total SBA financing
2
Loans on record
FY2020–21
On record
91
Jobs supported
Franchise brand
Hi-Pointe Drive-In
See Hi-Pointe Drive-In's SBA financing data — typical deal, failure rate, and how its loans perform →
● business — business location is the ZIP-area centroid from the public record
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All 2 loans
$2,070,000 — FY2021
Loan 1 of 2- Gross approval
- $2,070,000
- SBA guaranteed
- $1,863,000 (90%)
- Status
- Charged off (failed)
- Rate at approval
- 5.25% v
- Term
- 275 mo (23 yr)
- Program
- 7a General
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 5/27/2021
- First disbursement
- 6/15/2021
- Days to fund
- 19 days
- Charged off
- 3/28/2025
- Charge-off amount
- $971,568
- Collateral
- Required
- Sold on secondary market
- Yes
- Jobs supported
- 66
- Business type
- Corporation
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
- NAICS code
- 722511
- Franchise
- Hi-Pointe Drive-In
- Franchise code
- S5500
- Lender
- Bank of Belleville
- Address
- 635 West Highway 50
- City
- O'Fallon, 62269
- County
- Saint Clair
- SBA district office
- ILLINOIS DISTRICT OFFICE
- Congressional district
- 12
$450,000 — FY2020
Loan 2 of 2- Gross approval
- $450,000
- SBA guaranteed
- $337,500 (75%)
- Status
- Cancelled
- Rate at approval
- 6% v
- Term
- 120 mo (10 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 7/29/2020
- Collateral
- Required
- Jobs supported
- 25
- Business type
- Corporation
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
- NAICS code
- 722513
- Franchise
- Hi-Pointe Drive-In
- Franchise code
- S5500
- Lender
- Scott Credit Union
- Address
- 531 West HIGHWAY 50
- City
- O Fallon, 62269
- County
- Saint Clair
- SBA district office
- ILLINOIS DISTRICT OFFICE
- Congressional district
- 12
The lenders
Scott Credit Union
1 loan to this businessFind SBA lenders for businesses like this
The banks most active funding limited-service restaurants — by location, industry, and brand.
Similar businesses
Comparable limited-service restaurants in the public SBA 7(a) record — matched on industry, then location and deal size. Public records, not for-sale listings.
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- SBA financing
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- $2.7M
- SBA financing
- ≈ $5.2M–$8.7M
- Est. revenue (rough)
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- $2.2M
- SBA financing
- ≈ $4.3M–$7.1M
- Est. revenue (rough)
HG Enterprises, LLC
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- $978K
- SBA financing
- ≈ $1.9M–$3.2M
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Om Shree Nandgopala LLC
O Fallon, IL· ~1 mi
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- $696K
- SBA financing
- ≈ $1.4M–$2.3M
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Bonzai Express of St. Louis, INC.
Saint Louis, MO· ~26 mi
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- $2.8M
- SBA financing
- ≈ $5.6M–$9.3M
- Est. revenue (rough)
Agent summary
This page summarizes the public SBA 7(a) lending record for Shine-Hi LLC in O Fallon, IL (Limited-Service Restaurants). CapBench compiles public SBA loan data, lender activity, and business signals to help buyers and advisors evaluate acquisition financing — it does not list this business for sale.
- 2 SBA 7(a) loans totaling $2.5M
- On record FY2020–21
- 91 jobs supported
- Industry: Limited-Service Restaurants
- Location: O Fallon, IL
- Lenders: Scott Credit Union, Bank of Belleville
Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Limited-Service Restaurants businesses in IL for ~$1.3M deals, then pre-qualify for 7(a) financing before making an offer. CapBench can arrange a lender introduction — free for buyers.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical loan records, not a current offer or a loan approval. CapBench is not a lender.
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CapBench listing built from public SBA 7(a) lending records. Figures are as reported; verify before relying on them. Not affiliated with Shine-Hi LLC.