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Checkers, 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 S0364)

22 deals since 2020 · typical deal $1.1M

22

Deals since 2020

$1.1M

Typical deal

1

Deals since FY2025

—

Too few deals to score risk

Checkers has 22 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 Checkers

Most Checkers deals financed between $350K and $1.60M. Above $1.60M, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$14,947
Down payment (10%)
$127K
Cash to close (all-in)
$174K

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 ~$174K)

Experience

Recent financings

  • 6041 OXON HILL INC. in Oxon Hill, MD — $465K (2025) · Centerstone SBA Lending, Inc.
  • FSR MD Corp in Oxon Hill, MD — $1.5M (2024) · East West Bank
  • Checkers #3950 in Houston, TX — $1.5M (2024) · First Bank of the Lake
  • FSR MD Group Inc in Gaithersburg, MD — $1.2M (2024) · East West Bank
  • Checker's in Croydon, PA — $3.0M (2023) · Newtek Bank, National Association
  • MGFM. LLC in Baton Rouge, LA — $2.0M (2023) · First Commonwealth Bank
  • WINTER LEAF NJ LLC in Pennsauken, NJ — $350K (2023) · The Huntington National Bank
  • Checker's in Croydon, PA — $1.9M (2022) · Newtek Small Business Finance, Inc.
  • CHECKERS OF TAMPA in Tampa, FL — $620K (2022) · Bank Five Nine
  • SAI of JACKSONVILLE, LLC in Orange Park, FL — $314K (2022) · United Bank

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

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Checkers brand mark

Who funds Checkers — and where

Every dot is a financed Checkers — 22 mapped.

Financed Checkers locations — list all 22 as text

Top lenders for this brand

  1. 1.First Bank of the Lake(3)
  2. 2.Manufacturers and Traders Trust Company(2)
  3. 3.Bank Five Nine(2)
  4. 4.East West Bank(2)
  5. 5.United Bank(2)

Most active states

  1. 1.Florida (4 loans)
  2. 2.Maryland (4 loans)
  3. 3.Pennsylvania (3 loans)
  4. 4.North Carolina (2 loans)
  5. 5.Louisiana (2 loans)
  6. 6.Delaware (1 loans)
  7. 7.Texas (1 loans)
  8. 8.New York (1 loans)

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Common questions

How much does a Checkers cost to buy or open?

The typical deal for Checkers is $1.1M across 22 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $126K of buyer cash on a typical deal.

How risky is Checkers?

Checkers has 22 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 Checkers with an SBA loan?

Yes — Checkers 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 Checkers franchise

Most Checkers 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 Checkers deal financed for $1.1M, which points to about $126K of buyer cash on a typical purchase. Checkers is listed in the SBA Franchise Directory (identifier S0364), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Checkers — 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 Checkers — 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 Checkers — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Checkers is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 22 SBA 7(a) deals since 2020
  • $1.1M typical deal
  • 1 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S0364)
  • Top lenders: First Bank of the Lake, Manufacturers and Traders Trust Company, Bank Five Nine

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/checkers
API:
https://www.capbench.com/api/public/franchises/checkers
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 Checkers.

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