Chester's, 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 S0369)
6 deals since 2020 · typical deal $2.2M
6
Deals since 2020
$2.2M
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Chester's
Most Chester's deals financed between $1.39M and $3.27M. Above $3.27M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $28,813
- Down payment (10%)
- $245K
- Cash to close (all-in)
- $337K
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 ~$337K)
Experience
Recent financings
- The Corner Store in Bethpage, NY — $1.4M (2025) · Harvest Small Business Finance, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 16 days
- Approved
- 5/6/2025
- First disbursed
- 5/22/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Business age
- Existing or more than 2 years old
- Industry
- Convenience Retailers
Funded by Harvest Small Business Finance, LLC · Lender record →
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- GAS 'N' STUFF in North Fork, CA — $3.7M (2023) · purchase · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.8M (75%)
- Approval → funding
- 79 days
- Approved
- 5/3/2023
- First disbursed
- 7/21/2023
- Loan status
- Paid in full (1/31/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- Change of Ownership
- Industry
- Gasoline Stations with Convenience Stores
If you were the buyer here
- Est. deal size
- $4.2M
- Est. down payment (10%)
- $416K
- Est. cash at closing
- $574K
- Monthly payment
- $33,329
- Annual debt service
- $400K
- Cash flow needed (1.25×)
- $500K
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 Celtic Bank Corporation · Lender record →
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- SSSB5 Corp, Inc. in Bakersfield, CA — $3.3M (2021) · Enterprise Bank & Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.9M (90%)
- Approval → funding
- 12 days
- Approved
- 6/11/2021
- First disbursed
- 6/23/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- New Business or 2 years or less
- Industry
- Gasoline Stations with Convenience Stores
Funded by Enterprise Bank & Trust · Lender record →
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- SSSB3 Corp in Bakersfield, CA — $2.2M (2021) · Enterprise Bank & Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.0M (90%)
- Approval → funding
- 0 days
- Approved
- 3/31/2021
- First disbursed
- 3/31/2021
- Loan status
- Paid in full (1/31/2026)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- New Business or 2 years or less
- Industry
- Gasoline Stations with Convenience Stores
Funded by Enterprise Bank & Trust · Lender record →
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- Ore City Valero LLC in Ore City, TX — $1.7M (2021) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.5M (90%)
- Approval → funding
- 9 days
- Approved
- 9/21/2021
- First disbursed
- 9/30/2021
- Loan status
- Paid in full (3/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 1
- Business age
- Existing or more than 2 years old
- Industry
- Gasoline Stations with Convenience Stores
Funded by Byline Bank · Lender record →
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- Firehouse Subs in Spokane, WA — $265K (2021) · North State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 88 months
- SBA guaranteed
- $239K (90%)
- Approval → funding
- 23 days
- Approved
- 7/8/2021
- First disbursed
- 7/31/2021
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 22
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by North State Bank · Lender record →
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Who funds Chester's — and where
Every dot is a financed Chester's — 6 mapped.
Financed Chester's locations — list all 6 as text
- SSSB3 Corp — Bakersfield · $2.2M · FY2021 · Gasoline Stations with Convenience Stores
- The Corner Store — Bethpage · $1.4M · FY2025 · Convenience Retailers
- GAS 'N' STUFF — North Fork · $3.7M · FY2023 · Gasoline Stations with Convenience Stores
- SSSB5 Corp, Inc. — Bakersfield · $3.3M · FY2021 · Gasoline Stations with Convenience Stores
- Firehouse Subs — Spokane · $265K · FY2021 · Limited-Service Restaurants
- Ore City Valero LLC — Ore City · $1.7M · FY2021 · Gasoline Stations with Convenience Stores
Top lenders for this brand
Most active states
- 1.California (3 loans)
- 2.New York (1 loans)
- 3.Washington (1 loans)
- 4.Texas (1 loans)
Represent Chester's?
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Common questions
How much does a Chester's cost to buy or open?
The typical deal for Chester's is $2.2M across 6 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $242K of buyer cash on a typical deal.
How risky is Chester's?
Chester's has 6 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 Chester's with an SBA loan?
Yes — Chester's 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 Chester's franchise
Most Chester's 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 Chester's deal financed for $2.2M, which points to about $242K of buyer cash on a typical purchase. Chester's is listed in the SBA Franchise Directory (identifier S0369), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Chester's — 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 Chester's — 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 Chester's — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Chester's is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 6 SBA 7(a) deals since 2020
- $2.2M typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0369)
- Top lenders: Enterprise Bank & Trust, Harvest Small Business Finance, LLC, Celtic Bank Corporation
- 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 Chester's.