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Cheba Hut, 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 S0363)

23 deals since 2020 · typical deal $680K

23

Deals since 2020

$680K

Typical deal

3

Deals since FY2025

—

Too few deals to score risk

Cheba Hut has 23 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 Cheba Hut

Most Cheba Hut deals financed between $496K and $944K. Above $944K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$8,892
Down payment (10%)
$76K
Cash to close (all-in)
$101K

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 ~$101K)

Experience

Recent financings

  • Cheba Hut 'Toasted' Subs in Clarksville, TN — $1.4M (2025) · First Bank of the Lake
  • Big Toasted Mon 7 LLC in Bernalillo, NM — $1.0M (2025) · VelocitySBA, LLC
  • Phat Subz LLC in Mckinney, TX — $877K (2025) · Milestone Bank
  • MYLES 4, INC. in Ontario, CA — $1.0M (2024) · Byline Bank
  • Big Toasted Mon 8, LLC in El Paso, TX — $650K (2024) · Colony Bank
  • Wylde Parsley, LLC in Donelson, TN — $1.0M (2023) · The Huntington National Bank
  • 37 WAFFLES DEVELOPMENT CO LLC in North Hollywood, CA — $944K (2023) · The Huntington National Bank
  • 37 WAFFLES DEVELOPMENT CO LLC in North Hollywood, CA — $944K (2023) · The Huntington National Bank
  • Hyder Restaurant Holdings LLC in Dallas, TX — $823K (2023) · Frost Bank
  • CH HTX LLC in Houston, TX — $757K (2023) · Midwest Regional Bank

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

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Cheba Hut brand mark

Who funds Cheba Hut — and where

Every dot is a financed Cheba Hut — 23 mapped.

Financed Cheba Hut locations — list all 23 as text

Top lenders for this brand

  1. 1.The Huntington National Bank(6)
  2. 2.Oostburg State Bank(3)
  3. 3.Beacon Bank and Trust(2)
  4. 4.First Commonwealth Bank (2)
  5. 5.Gulf Coast Bank and Trust Company(1)

Most active states

  1. 1.Texas (6 loans)
  2. 2.Tennessee (4 loans)
  3. 3.California (4 loans)
  4. 4.Wisconsin (3 loans)
  5. 5.Ohio (2 loans)
  6. 6.Louisiana (1 loans)
  7. 7.New Mexico (1 loans)
  8. 8.Florida (1 loans)

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Common questions

How much does a Cheba Hut cost to buy or open?

The typical deal for Cheba Hut is $680K across 23 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $75K of buyer cash on a typical deal.

How risky is Cheba Hut?

Cheba Hut has 23 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 Cheba Hut with an SBA loan?

Yes — Cheba Hut 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 Cheba Hut franchise

Most Cheba Hut 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 Cheba Hut deal financed for $680K, which points to about $75K of buyer cash on a typical purchase. Cheba Hut is listed in the SBA Franchise Directory (identifier S0363), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Cheba Hut — 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 Cheba Hut — 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 Cheba Hut — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Cheba Hut is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 23 SBA 7(a) deals since 2020
  • $680K typical deal
  • 3 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S0363)
  • Top lenders: The Huntington National Bank, Oostburg State Bank, Beacon Bank and Trust

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/cheba-hut
API:
https://www.capbench.com/api/public/franchises/cheba-hut
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 Cheba Hut.

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