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Fatburger, by the numbers

Fatburger appears in 16 SBA 7(a) loans since 2020 — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S2185)

16 deals since 2020 · typical deal $520K

16

Deals since 2020

$520K

Typical deal

3

Deals since FY2025

—

Too few deals to score risk

Fatburger has 16 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 Fatburger

Most Fatburger deals financed between $373K and $788K. Above $788K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$6,800
Down payment (10%)
$58K
Cash to close (all-in)
$77K

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 ~$77K)

Experience

Recent financings

  • VSFoods585 LLC in Camarillo, CA — $739K (2025) · purchase · Celtic Bank Corporation
  • REINABELLE FOOD SERVICES, LLC DBA FATBURGER #1044 in Carson, CA — $617K (2025) · Mission Valley Bank
  • Thomasville Enterprises LLC in Dallas, TX — $520K (2025) · Readycap Lending, LLC
  • FAT MONEY in Los Angeles, CA — $150K (2024) · Northeast Bank
  • AB RESTAURANT CHAIN INC in Lake Balboa, CA — $150K (2024) · Northeast Bank
  • FB Celebration Inc in Melbourne, FL — $896K (2023) · The Huntington National Bank
  • FB Riverview LLC in Riverview, FL — $887K (2023) · The Huntington National Bank
  • Fatburger & Buffalo's Express / Fatburger/Buffalo's Cafe in Manassas, VA — $872K (2022) · Newtek Small Business Finance, Inc.
  • FB1278 LLC in Clovis, CA — $788K (2022) · The Huntington National Bank
  • Phuntoome LLC in Garland, TX — $480K (2022) · First Internet Bank of Indiana

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

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Fatburger brand mark

Who funds Fatburger — and where

Every dot is a financed Fatburger — 16 mapped.

Financed Fatburger locations — list all 16 as text

Top lenders for this brand

  1. 1.The Huntington National Bank(4)
  2. 2.Northeast Bank(2)
  3. 3.Mission Valley Bank(2)
  4. 4.Newtek Small Business Finance, Inc. (2)
  5. 5.Citizens Bank(1)

Most active states

  1. 1.California (8 loans)Fatburger lenders in California->
  2. 2.Texas (3 loans)Fatburger lenders in Texas->
  3. 3.Florida (2 loans)Fatburger lenders in Florida->
  4. 4.Virginia (2 loans)Fatburger lenders in Virginia->
  5. 5.Alaska (1 loans)Fatburger lenders in Alaska->

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Common questions

How much does a Fatburger cost to buy or open?

The typical deal for Fatburger is $520K across 16 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $57K of buyer cash on a typical deal.

How risky is Fatburger?

Fatburger has 16 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 Fatburger with an SBA loan?

Yes — Fatburger 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 Fatburger franchise

Most Fatburger 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 Fatburger deal financed for $520K, which points to about $57K of buyer cash on a typical purchase. Fatburger is listed in the SBA Franchise Directory (identifier S2185), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Fatburger — 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 Fatburger — 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 Fatburger — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Fatburger is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 16 SBA 7(a) deals since 2020
  • $520K typical deal
  • 3 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S2185)
  • Top lenders: The Huntington National Bank, Northeast Bank, Mission Valley Bank

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 2026-08-01.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/fatburger
API:
https://www.capbench.com/api/public/franchises/fatburger
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 Fatburger.

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