Carl's Jr., 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 S0348)
4 deals since 2020 · typical deal $1.7M
4
Deals since 2020
$1.7M
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Carl's Jr.
Most Carl's Jr. deals financed between $938K and $5.00M. Above $5.00M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $22,687
- Down payment (10%)
- $193K
- Cash to close (all-in)
- $265K
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 ~$265K)
Experience
Recent financings
- American Restaurants and Coffee, Inc. in Needles, CA — $820K (2026) · Harvest Small Business Finance, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $615K (75%)
- Approval → funding
- 21 days
- Approved
- 1/27/2026
- First disbursed
- 2/17/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Harvest Small Business Finance, LLC · Lender record →
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- Valley Star AZ, LLC in Tucson, AZ — $1.7M (2024) · purchase · Western Alliance Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.13% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 19 days
- Approved
- 12/23/2023
- First disbursed
- 1/11/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 64
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.9M
- Est. down payment (10%)
- $193K
- Est. cash at closing
- $265K
- Monthly payment
- $12,406
- Annual debt service
- $149K
- Cash flow needed (1.25×)
- $186K
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 Western Alliance Bank · Lender record →
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- Valley Star AZ, LLC in Phoenix, AZ — $938K (2024) · Western Alliance Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 123 months
- SBA guaranteed
- $704K (75%)
- Approval → funding
- 31 days
- Approved
- 6/4/2024
- First disbursed
- 7/5/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 60
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Western Alliance Bank · Lender record →
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- Carl's Jr. in Las Vegas, NV — $5.0M (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 81 days
- Approved
- 8/27/2021
- First disbursed
- 11/16/2021
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 300
- Business age
- Existing or more than 2 years old
- Industry
- Cafeterias, Grill Buffets, and Buffets
Funded by Live Oak Banking Company · Lender record →
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Who funds Carl's Jr. — and where
Every dot is a financed Carl's Jr. — 4 mapped.
Financed Carl's Jr. locations — list all 4 as text
- Valley Star AZ, LLC — Phoenix · $938K · FY2024 · Limited-Service Restaurants
- American Restaurants and Coffee, Inc. — Needles · $820K · FY2026 · Limited-Service Restaurants
- Valley Star AZ, LLC — Tucson · $1.7M · FY2024 · Limited-Service Restaurants
- Carl's Jr. — Las Vegas · $5.0M · FY2021 · Cafeterias, Grill Buffets, and Buffets
Top lenders for this brand
Most active states
- 1.Arizona (2 loans)
- 2.California (1 loans)
- 3.Nevada (1 loans)
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Common questions
How much does a Carl's Jr. cost to buy or open?
The typical deal for Carl's Jr. is $1.7M across 4 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $191K of buyer cash on a typical deal.
How risky is Carl's Jr.?
Carl's Jr. has 4 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 Carl's Jr. with an SBA loan?
Yes — Carl's Jr. has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Carl's Jr. franchise
Most Carl's Jr. 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 Carl's Jr. deal financed for $1.7M, which points to about $191K of buyer cash on a typical purchase. Carl's Jr. is listed in the SBA Franchise Directory (identifier S0348), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Carl's Jr. — 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 Carl's Jr. — 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 Carl's Jr. — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Carl's Jr. is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 4 SBA 7(a) deals since 2020
- $1.7M typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0348)
- Top lenders: Western Alliance Bank, Harvest Small Business Finance, LLC, Live Oak Banking Company
- 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 Carl's Jr..