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Arby's, by the numbers

Arby's appears in 20 SBA 7(a) loans since 2020 — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S0130)

20 deals since 2020 · typical deal $860K

20

Deals since 2020

$860K

Typical deal

3

Deals since FY2025

—

Too few deals to score risk

Arby's has 20 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Arby's

Most Arby's deals financed between $500K and $1.21M. Above $1.21M, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$11,246
Down payment (10%)
$96K
Cash to close (all-in)
$131K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$131K)

Experience

Recent financings

  • Kang Foods LLC in Oroville, CA — $500K (2026) · Live Oak Banking Company
  • Arby’s. in Schenectady, NY — $1.4M (2025) · Newtek Bank, National Association
  • Arbys #8806 in Chico, CA — $905K (2025) · Live Oak Banking Company
  • BRUMIT RESTAURANT GROUP, LLC in Newport, TN — $860K (2024) · purchase · Ameris Bank
  • MCW Ventures Inc. in Gaylord, MI — $440K (2024) · Horizon Bank
  • A5 Enterprise LLC in Lexington, KY — $1.2M (2023) · First Internet Bank of Indiana
  • Classic Ventures, West Division, Inc. in Strongsville, OH — $320K (2023) · Citizens Bank, National Association
  • Wow Foods, LLC in Farmingdale, NY — $1.5M (2022) · Capital One, National Association
  • Caribbean Steakhouse, LLC in Fajardo, PR — $1.1M (2022) · Economic Development Bank for Puerto Rico
  • ARVG Corporation in Carolina, PR — $995K (2022) · Oriental Bank

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Arby's brand mark

Who funds Arby's — and where

Every dot is a financed Arby's — 16 mapped.

Financed Arby's locations — list all 16 as text

Top lenders for this brand

  1. 1.Live Oak Banking Company(4)
  2. 2.Oriental Bank(3)
  3. 3.Readycap Lending, LLC(1)
  4. 4.Peapack Private Bank and Trust(1)
  5. 5.Horizon Bank(1)

Most active states

  1. 1.California (6 loans)Arby's lenders in California->
  2. 2.PR (4 loans)Arby's lenders in PR->
  3. 3.Michigan (2 loans)Arby's lenders in Michigan->
  4. 4.New York (2 loans)Arby's lenders in New York->
  5. 5.Pennsylvania (1 loans)Arby's lenders in Pennsylvania->
  6. 6.Arizona (1 loans)Arby's lenders in Arizona->
  7. 7.Tennessee (1 loans)Arby's lenders in Tennessee->
  8. 8.Ohio (1 loans)Arby's lenders in Ohio->

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Common questions

How much does a Arby's cost to buy or open?

The typical deal for Arby's is $860K across 20 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $95K of buyer cash on a typical deal.

How risky is Arby's?

Arby's has 20 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a Arby's with an SBA loan?

Yes — Arby's has been SBA-financed 3 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Arby's franchise

Most Arby's buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Arby's deal financed for $860K, which points to about $95K of buyer cash on a typical purchase. Arby's is listed in the SBA Franchise Directory (identifier S0130), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Arby's — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.

AI summary

This profile summarizes public SBA financing activity for Arby's — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.

Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.

Agent summary

This page summarizes public SBA 7(a) financing for Arby's — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Arby's is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 20 SBA 7(a) deals since 2020
  • $860K typical deal
  • 3 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S0130)
  • Top lenders: Live Oak Banking Company, Oriental Bank, Readycap Lending, LLC

Next steps

Check SBA fitFind SBA lenders$9 lender report
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-31.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/arby-s
API:
https://www.capbench.com/api/public/franchises/arby-s
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 SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.

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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Arby's.

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