Erbert and Gerbert'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 S0582)

8 deals since 2020 · typical deal $174K

Deals since 2020

$174K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Erbert and Gerbert's has 8 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 Erbert and Gerbert's

Most Erbert and Gerbert's deals financed between $60K and $284K. Above $284K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$174K

Monthly payment (10-yr): $2,574
Down payment (10%): $19K
Cash to close (all-in): $26K

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 ~$26K)

Experience

Recent financings

BENNETT AND FAMILY LLC in Anoka, MN — $284K (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$213K (75%)
Approved
2/24/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$316K
Est. down payment (10%)
$32K
Est. cash at closing
$42K
Monthly payment
$3,677
Annual debt service
$44K
Cash flow needed (1.25×)
$55K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
BENNETT AND FAMILY LLC in Anoka, MN — $25K (2026) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
2/24/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$323
Annual debt service
$4K
Cash flow needed (1.25×)
$5K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Petts Enterprises LLC in Stevens Point, WI — $274K (2023) · purchase · BMO Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$206K (75%)
Approval → funding
7 days
Approved
7/28/2023
First disbursed
8/4/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$304K
Est. down payment (10%)
$30K
Est. cash at closing
$41K
Monthly payment
$3,008
Annual debt service
$36K
Cash flow needed (1.25×)
$45K
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 BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
BLACK CAT INVESTMENTS LLC in New Prague, MN — $128K (2023) · purchase · BankVista
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$109K (85%)
Approval → funding
27 days
Approved
10/6/2022
First disbursed
11/2/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$143K
Est. down payment (10%)
$14K
Est. cash at closing
$18K
Monthly payment
$1,575
Annual debt service
$19K
Cash flow needed (1.25×)
$24K
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 BankVista · Lender record →
Your business? Claim this record · Request removal
BLACK CAT INVESTMENTS LLC in New Prague, MN — $429K (2022) · purchase · BankVista
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$322K (75%)
Approval → funding
3 days
Approved
4/5/2022
First disbursed
4/8/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
50
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$477K
Est. down payment (10%)
$48K
Est. cash at closing
$64K
Monthly payment
$4,659
Annual debt service
$56K
Cash flow needed (1.25×)
$70K
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 BankVista · Lender record →
Your business? Claim this record · Request removal
BLACK CAT INVESTMENTS LLC in New Prague, MN — $60K (2022) · purchase · BankVista
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$30K (50%)
Approval → funding
2 days
Approved
4/6/2022
First disbursed
4/8/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$67K
Est. down payment (10%)
$7K
Est. cash at closing
$9K
Monthly payment
$651
Annual debt service
$8K
Cash flow needed (1.25×)
$10K
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 BankVista · Lender record →
Your business? Claim this record · Request removal
BLACK CAT INVESTMENTS LLC in New Prague, MN — $25K (2022) · purchase · BankVista
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
73 days
Approved
8/22/2022
First disbursed
11/3/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$297
Annual debt service
$4K
Cash flow needed (1.25×)
$4K
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 BankVista · Lender record →
Your business? Claim this record · Request removal
Switzer Group Hudson LLC in Hudson, WI — $174K (2020) · Old National Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$131K (75%)
Approval → funding
15 days
Approved
9/15/2020
First disbursed
9/30/2020
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
20
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Old National Bank · Lender record →
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Who funds Erbert and Gerbert's — and where

Every dot is a financed Erbert and Gerbert's — 8 mapped.

Financed Erbert and Gerbert's locations — list all 8 as text

BENNETT AND FAMILY LLC — Anoka · $25K · FY2026 · Limited-Service Restaurants
BENNETT AND FAMILY LLC — Anoka · $284K · FY2026 · Limited-Service Restaurants
Switzer Group Hudson LLC — Hudson · $174K · FY2020 · Limited-Service Restaurants
BLACK CAT INVESTMENTS LLC — New Prague · $25K · FY2022 · Limited-Service Restaurants
BLACK CAT INVESTMENTS LLC — New Prague · $128K · FY2023 · Limited-Service Restaurants
Petts Enterprises LLC — Stevens Point · $274K · FY2023 · Limited-Service Restaurants
BLACK CAT INVESTMENTS LLC — New Prague · $429K · FY2022 · Limited-Service Restaurants
BLACK CAT INVESTMENTS LLC — New Prague · $60K · FY2022 · Limited-Service Restaurants

Top lenders for this brand

Most active states

1.Minnesota (6 loans)
2.Wisconsin (2 loans)

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Insider move

Start with the lenders above — a bank that's funded Erbert and Gerbert's 4 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Erbert and Gerbert's lending specialist.

Common questions

How much does a Erbert and Gerbert's cost to buy or open?

The typical deal for Erbert and Gerbert's is $174K across 8 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $19K of buyer cash on a typical deal.

How risky is Erbert and Gerbert's?

Erbert and Gerbert's has 8 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 Erbert and Gerbert's with an SBA loan?

Yes — Erbert and Gerbert's has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Erbert and Gerbert's franchise

Most Erbert and Gerbert'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 Erbert and Gerbert's deal financed for $174K, which points to about $19K of buyer cash on a typical purchase. Erbert and Gerbert's is listed in the SBA Franchise Directory (identifier S0582), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Erbert and Gerbert'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 Erbert and Gerbert'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 Erbert and Gerbert's — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Erbert and Gerbert's is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

8 SBA 7(a) deals since 2020
$174K typical deal
2 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S0582)
Top lenders: BankVista, The Huntington National Bank, Old National Bank

Next steps

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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/erbert-and-gerbert-s
API:: https://www.capbench.com/api/public/franchises/erbert-and-gerbert-s
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 Erbert and Gerbert's.