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Charleys Philly Steaks, 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 S0360)

71 deals since 2020 · typical deal $425K · 0% failure rate

71

Deals since 2020

$425K

Typical deal

20

Deals since FY2025

0%

Failure rate (FY20–23)

Charleys Philly Steaks buyers almost always make it — a 0% failure rate puts it among the safest franchise bets on record.

What buyers pay for Charleys Philly Steaks

Most Charleys Philly Steaks deals financed between $265K and $537K. Above $537K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$5,558
Down payment (10%)
$47K
Cash to close (all-in)
$63K

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 ~$63K)

Experience

Recent financings

  • Bisou Bisou Incorporated in Apopka, FL — $2.3M (2026) · purchase · The Huntington National Bank
  • JACKT LLC in Machesney Park, IL — $750K (2026) · The Huntington National Bank
  • CHEESESTEAK KINGS LLC in Clifton, NJ — $647K (2026) · Celtic Bank Corporation
  • Chas Cheesesteaks LLC in Louisville, KY — $403K (2026) · The Park National Bank
  • B to Z enterprise LLC in Sherman Oaks, CA — $381K (2026) · Bank Five Nine
  • CHARLEYS #2739 in Upland, CA — $363K (2026) · purchase · East West Bank
  • Bisou Bisou Incorporated in Apopka, FL — $150K (2026) · purchase · The Huntington National Bank
  • JACKT LLC in Machesney Park, IL — $50K (2026) · The Huntington National Bank
  • Frederick Cheesesteaks, LLC in Frederick, MD — $878K (2025) · Readycap Lending, LLC
  • HVA Operations LLC in Lone Tree, CO — $700K (2025) · Bank of Hope

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

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Charleys Philly Steaks brand mark

Who funds Charleys Philly Steaks — and where

Every dot is a financed Charleys Philly Steaks — 71 mapped.

Financed Charleys Philly Steaks locations — list all 71 as text

Top lenders for this brand

  1. 1.The Huntington National Bank(13)
  2. 2.The Bancorp Bank National Association(9)
  3. 3.Newtek Small Business Finance, Inc. (6)
  4. 4.Bank of Hope(3)
  5. 5.Readycap Lending, LLC(3)

Most active states

  1. 1.Texas (18 loans)
  2. 2.Florida (18 loans)
  3. 3.California (4 loans)
  4. 4.Maryland (4 loans)
  5. 5.Pennsylvania (4 loans)
  6. 6.Georgia (3 loans)
  7. 7.Colorado (3 loans)
  8. 8.Ohio (3 loans)

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Common questions

How much does a Charleys Philly Steaks cost to buy or open?

The typical deal for Charleys Philly Steaks is $425K across 71 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $47K of buyer cash on a typical deal.

How risky is Charleys Philly Steaks?

0% of Charleys Philly Steaks's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a Charleys Philly Steaks with an SBA loan?

Yes — Charleys Philly Steaks has been SBA-financed 20 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Charleys Philly Steaks franchise

Most Charleys Philly Steaks 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 Charleys Philly Steaks deal financed for $425K, which points to about $47K of buyer cash on a typical purchase. Charleys Philly Steaks is listed in the SBA Franchise Directory (identifier S0360), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Charleys Philly Steaks — 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 Charleys Philly Steaks — 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 Charleys Philly Steaks — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Charleys Philly Steaks is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 71 SBA 7(a) deals since 2020
  • $425K typical deal
  • 20 deals since FY2025
  • 0% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S0360)
  • Top lenders: The Huntington National Bank, The Bancorp Bank National Association, Newtek Small Business Finance, Inc.

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 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/charleys-philly-steaks
API:
https://www.capbench.com/api/public/franchises/charleys-philly-steaks
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 Charleys Philly Steaks.

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