Black Bear Diner, 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 S0222)
3 deals since 2020 · typical deal $1.0M
3
Deals since 2020
$1.0M
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Black Bear Diner
Most Black Bear Diner deals financed between $719K and $1.30M. Above $1.30M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $13,077
- Down payment (10%)
- $111K
- Cash to close (all-in)
- $152K
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 ~$152K)
Experience
Recent financings
- Banwait, LLC in Federal Way, WA — $1.0M (2024) · Heritage Bank
- Program
- 7a General
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $750K (75%)
- Approval → funding
- 194 days
- Approved
- 8/15/2024
- First disbursed
- 2/25/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 41
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Heritage Bank · Lender record →
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- NEWBERG BEARS LLC in Newberg, OR — $719K (2024) · purchase · Heritage Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $539K (75%)
- Approval → funding
- 17 days
- Approved
- 3/29/2024
- First disbursed
- 4/15/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $799K
- Est. down payment (10%)
- $80K
- Est. cash at closing
- $110K
- Monthly payment
- $9,502
- Annual debt service
- $114K
- Cash flow needed (1.25×)
- $143K
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 Heritage Bank · Lender record →
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- Elite Diners, LLC in Ventura, CA — $1.3M (2021) · Ventura County CU
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.2M (90%)
- Approval → funding
- 3 days
- Approved
- 7/28/2021
- First disbursed
- 7/31/2021
- Loan status
- Paid in full (6/30/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 266
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Ventura County CU
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Who funds Black Bear Diner — and where
Every dot is a financed Black Bear Diner — 3 mapped.
Financed Black Bear Diner locations — list all 3 as text
- Banwait, LLC — Federal Way · $1.0M · FY2024 · Full-Service Restaurants
- NEWBERG BEARS LLC — Newberg · $719K · FY2024 · Full-Service Restaurants
- Elite Diners, LLC — Ventura · $1.3M · FY2021 · Full-Service Restaurants
Top lenders for this brand
1.Heritage Bank(2)
- 2.Ventura County CU (1)
Most active states
- 1.Washington (1 loans)
- 2.Oregon (1 loans)
- 3.California (1 loans)
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Common questions
How much does a Black Bear Diner cost to buy or open?
The typical deal for Black Bear Diner is $1.0M across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $110K of buyer cash on a typical deal.
How risky is Black Bear Diner?
Black Bear Diner has 3 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 Black Bear Diner with an SBA loan?
Yes — Black Bear Diner has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Black Bear Diner franchise
Most Black Bear Diner 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 Black Bear Diner deal financed for $1.0M, which points to about $110K of buyer cash on a typical purchase. Black Bear Diner is listed in the SBA Franchise Directory (identifier S0222), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Black Bear Diner — 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 Black Bear Diner — 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 Black Bear Diner — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Black Bear Diner is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 3 SBA 7(a) deals since 2020
- $1.0M typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0222)
- Top lenders: Heritage Bank, Ventura County CU
- 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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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Black Bear Diner.