Arby's, by the numbers
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
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 — $500K (2026) · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (50%)
- Approval → funding
- 7 days
- Approved
- 12/10/2025
- First disbursed
- 12/17/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
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- Arby’s. in Schenectady, NY — $1.4M (2025) · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 126 months
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 34 days
- Approved
- 8/13/2025
- First disbursed
- 9/16/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 37
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Newtek Bank, National Association · Lender record →
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- Arbys #8806 in Chico, CA — $905K (2025) · Live Oak Banking Company
- Program
- 7a General
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $679K (75%)
- Approval → funding
- 48 days
- Approved
- 5/29/2025
- First disbursed
- 7/16/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 80
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
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- BRUMIT RESTAURANT GROUP, LLC in Newport, TN — $860K (2024) · purchase · Ameris Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.625% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $645K (75%)
- Approval → funding
- 15 days
- Approved
- 4/23/2024
- First disbursed
- 5/8/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 42
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $956K
- Est. down payment (10%)
- $96K
- Est. cash at closing
- $131K
- Monthly payment
- $10,720
- Annual debt service
- $129K
- Cash flow needed (1.25×)
- $161K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Ameris Bank · Lender record →
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- MCW Ventures Inc. in Gaylord, MI — $440K (2024) · Horizon Bank
- Program
- 7a General
- Rate at approval
- 9% fixed
- Term
- 87 months
- SBA guaranteed
- $330K (75%)
- Approval → funding
- 12 days
- Approved
- 6/26/2024
- First disbursed
- 7/8/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Horizon Bank · Lender record →
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- A5 Enterprise LLC in Lexington, KY — $1.2M (2023) · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 123 months
- SBA guaranteed
- $905K (75%)
- Approved
- 7/14/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 100
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by First Internet Bank of Indiana · Lender record →
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- Classic Ventures, West Division, Inc. in Strongsville, OH — $320K (2023) · Citizens Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $240K (75%)
- Approval → funding
- 31 days
- Approved
- 9/30/2023
- First disbursed
- 10/31/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Citizens Bank, National Association · Lender record →
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- Wow Foods, LLC in Farmingdale, NY — $1.5M (2022) · Capital One, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 4.69% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 111 days
- Approved
- 6/24/2022
- First disbursed
- 10/13/2022
- Loan status
- Paid in full (7/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 52
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Capital One, National Association
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- Caribbean Steakhouse, LLC in Fajardo, PR — $1.1M (2022) · Economic Development Bank for Puerto Rico
- Program
- 7a General
- Rate at approval
- 8.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $837K (75%)
- Approved
- 3/17/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 40
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Economic Development Bank for Puerto Rico · Lender record →
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- ARVG Corporation in Carolina, PR — $995K (2022) · Oriental Bank
- Program
- 7a General
- Rate at approval
- 6% variable
- Term
- 126 months
- SBA guaranteed
- $746K (75%)
- Approval → funding
- 10 days
- Approved
- 6/14/2022
- First disbursed
- 6/24/2022
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 55
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Oriental Bank · Lender record →
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Who funds Arby's — and where
Every dot is a financed Arby's — 16 mapped.
Financed Arby's locations — list all 16 as text
- J.C. Management Inc. — Buena Park · $800K · FY2021 · Limited-Service Restaurants
- Trident QSR Operations, LLC — Whitehall · $910K · FY2021 · Limited-Service Restaurants
- MCW Ventures Inc. — Gaylord · $440K · FY2024 · Limited-Service Restaurants
- Arby’s. — Schenectady · $1.4M · FY2025 · Limited-Service Restaurants
- Kang Foods LLC — Oroville · $500K · FY2026 · Full-Service Restaurants
- Arbys #8806 — Chico · $905K · FY2025 · Full-Service Restaurants
- Home Field Advantage Limited — Gilbert · $308K · FY2020 · Limited-Service Restaurants
- Beef Ventures, Inc. - Big Rapids — Big Rapids · $250K · FY2021 · Limited-Service Restaurants
- Wow Foods, LLC — Farmingdale · $1.5M · FY2022 · Limited-Service Restaurants
- BRUMIT RESTAURANT GROUP, LLC — Newport · $860K · FY2024 · Limited-Service Restaurants
- Classic Ventures, West Division, Inc. — Strongsville · $320K · FY2023 · Limited-Service Restaurants
- A5 Enterprise LLC — Lexington · $1.2M · FY2023 · Limited-Service Restaurants
- KSR Concepts Inc. — Modesto · $709K · FY2020 · Limited-Service Restaurants
- GHM Investments LLC — Springfield · $95K · FY2020 · Full-Service Restaurants
- Arby's — Woodland · $2.1M · FY2020 · Full-Service Restaurants
- Kang Foods LLC — Oroville · $2.1M · FY2021 · Full-Service Restaurants
Top lenders for this brand
Most active states
- 1.California (6 loans)
- 2.PR (4 loans)
- 3.Michigan (2 loans)
- 4.New York (2 loans)
- 5.Pennsylvania (1 loans)
- 6.Arizona (1 loans)
- 7.Tennessee (1 loans)
- 8.Ohio (1 loans)
Represent Arby's?
Claim this brand page free to keep the numbers in context, add your story, and hear about qualified buyers early.
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
- 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 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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Represent Arby's?
Claim this brand page to keep the numbers in context, add your story, and hear about qualified buyers early.
CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Arby's.