Five Guys Burgers and Fries, 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 S0652)

7 deals since 2020 · typical deal $2.3M

Deals since 2020

$2.3M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Five Guys Burgers and Fries has 7 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 Five Guys Burgers and Fries

Most Five Guys Burgers and Fries deals financed between $798K and $3.65M. Above $3.65M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$2.25M

Monthly payment (10-yr): $29,423
Down payment (10%): $250K
Cash to close (all-in): $345K

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 ~$345K)

Experience

Recent financings

First Hill Burgers Inc in Renton, WA — $897K (2025) · Bank of America, National Association
Program
Preferred Lenders Program
Rate at approval
6.23% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$673K (75%)
Approved
10/9/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
Woodinville Burgers, LLC in Woodinville, WA — $500K (2024) · KeyBank National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
187 days
Approved
12/2/2023
First disbursed
6/6/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
Seattle Burgers 1120, LLC in Lynnwood, WA — $3.6M (2022) · KeyBank National Association
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.7M (75%)
Approval → funding
15 days
Approved
12/6/2021
First disbursed
12/21/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
Lorain Burgers LLC in Lorain, OH — $798K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
129 months
SBA guaranteed
$599K (75%)
Approval → funding
2 days
Approved
3/29/2022
First disbursed
3/31/2022
Loan status
Paid in full (5/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
26
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
ZG BURGERS LLC in Madison, NJ — $3.4M (2021) · Dime Community Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.5M (75%)
Approval → funding
8 days
Approved
12/1/2020
First disbursed
12/9/2020
Loan status
Paid in full (9/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
50
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Dime Community Bank · Lender record →
Your business? Claim this record · Request removal
Hyperion FG East Windsor LLC in East Windsor, NJ — $2.3M (2021) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
123 months
SBA guaranteed
$2.0M (90%)
Approval → funding
104 days
Approved
9/23/2021
First disbursed
1/5/2022
Loan status
Paid in full (6/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
78
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$2.5M
Est. down payment (10%)
$250K
Est. cash at closing
$345K
Monthly payment
$23,693
Annual debt service
$284K
Cash flow needed (1.25×)
$355K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Manufactured Homes LLC in Kirkland, WA — $5.0M (2020) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.8M (75%)
Approval → funding
12 days
Approved
9/18/2020
First disbursed
9/30/2020
Loan status
Paid in full (11/30/2021)
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
Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal

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Who funds Five Guys Burgers and Fries — and where

Every dot is a financed Five Guys Burgers and Fries — 7 mapped.

Financed Five Guys Burgers and Fries locations — list all 7 as text

Manufactured Homes LLC — Kirkland · $5.0M · FY2020 · Limited-Service Restaurants
ZG BURGERS LLC — Madison · $3.4M · FY2021 · Limited-Service Restaurants
First Hill Burgers Inc — Renton · $897K · FY2025 · Limited-Service Restaurants
Woodinville Burgers, LLC — Woodinville · $500K · FY2024 · Limited-Service Restaurants
Seattle Burgers 1120, LLC — Lynnwood · $3.6M · FY2022 · Limited-Service Restaurants
Lorain Burgers LLC — Lorain · $798K · FY2022 · Limited-Service Restaurants
Hyperion FG East Windsor LLC — East Windsor · $2.3M · FY2021 · Limited-Service Restaurants

Top lenders for this brand

Most active states

1.Washington (4 loans)Five Guys Burgers and Fries lenders in Washington->
2.New Jersey (2 loans)Five Guys Burgers and Fries lenders in New Jersey->
3.Ohio (1 loans)Five Guys Burgers and Fries lenders in Ohio->

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Insider move

Start with the lenders above — a bank that's funded Five Guys Burgers and Fries 2 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 Five Guys Burgers and Fries lending specialist.

Common questions

How much does a Five Guys Burgers and Fries cost to buy or open?

The typical deal for Five Guys Burgers and Fries is $2.3M across 7 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $248K of buyer cash on a typical deal.

How risky is Five Guys Burgers and Fries?

Five Guys Burgers and Fries has 7 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 Five Guys Burgers and Fries with an SBA loan?

Yes — Five Guys Burgers and Fries 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 Five Guys Burgers and Fries franchise

Most Five Guys Burgers and Fries 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 Five Guys Burgers and Fries deal financed for $2.3M, which points to about $248K of buyer cash on a typical purchase. Five Guys Burgers and Fries is listed in the SBA Franchise Directory (identifier S0652), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Five Guys Burgers and Fries — 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 Five Guys Burgers and Fries — 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 Five Guys Burgers and Fries — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Five Guys Burgers and Fries is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

7 SBA 7(a) deals since 2020
$2.3M typical deal
1 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S0652)
Top lenders: KeyBank National Association, First Bank of the Lake, Dime Community Bank

Next steps

Check SBA fit Find SBA lenders $9 lender report

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-23.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/franchises/five-guys-burgers-and-fries
API:: https://www.capbench.com/api/public/franchises/five-guys-burgers-and-fries
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 Five Guys Burgers and Fries.