Giovanni's Pizza, 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 S4739)
7 deals since 2020 · typical deal $209K
7
Deals since 2020
$209K
Typical deal
3
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Giovanni's Pizza
Most Giovanni's Pizza deals financed between $100K and $730K. Above $730K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $3,090
- Down payment (10%)
- $23K
- Cash to close (all-in)
- $31K
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 ~$31K)
Experience
Recent financings
- Pizza Power of Waverly LLC in Waverly, OH — $730K (2026) · purchase · Fifth Third Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $548K (75%)
- Approval → funding
- 13 days
- Approved
- 1/27/2026
- First disbursed
- 2/9/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $811K
- Est. down payment (10%)
- $81K
- Est. cash at closing
- $111K
- Monthly payment
- $9,446
- Annual debt service
- $113K
- Cash flow needed (1.25×)
- $142K
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 Fifth Third Bank · Lender record →
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- Southern Valley Pizza LLC in South Williamson, KY — $261K (2025) · WesBanco Bank, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $196K (75%)
- Approved
- 12/19/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by WesBanco Bank, Inc. · Lender record →
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- RMW Enterprises LLC in London, KY — $100K (2025) · Community Trust Bank, Inc.
- Program
- 7a General
- Rate at approval
- 8% variable
- Term
- 108 mo (9 yrs)
- SBA guaranteed
- $85K (85%)
- Approval → funding
- 110 days
- Approved
- 8/28/2025
- First disbursed
- 12/16/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Community Trust Bank, Inc. · Lender record →
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- SJT LLC in Lucasville, OH — $785K (2021) · Merchants Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $707K (90%)
- Approval → funding
- 8 days
- Approved
- 9/9/2021
- First disbursed
- 9/17/2021
- 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
- 33
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by Merchants Bank of Indiana · Lender record →
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- Maysville Giovannis, LLC in Vanceburg, KY — $209K (2021) · Five Star Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (90%)
- Approved
- 8/30/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Five Star Bank · Lender record →
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- Merlo Family Enterprise LLC in Shelbyville, KY — $159K (2021) · Community Trust Bank, Inc.
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5% variable
- Term
- 123 months
- SBA guaranteed
- $119K (75%)
- Approval → funding
- 23 days
- Approved
- 4/7/2021
- First disbursed
- 4/30/2021
- Loan status
- Paid in full (3/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Community Trust Bank, Inc. · Lender record →
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- Giovanni's of Dorton, LLC in Jenkins, KY — $30K (2020) · Community Trust Bank, Inc.
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 3.75% variable
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $15K (50%)
- Approval → funding
- 8 days
- Approved
- 8/17/2020
- First disbursed
- 8/25/2020
- Loan status
- Paid in full (8/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Community Trust Bank, Inc. · Lender record →
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Who funds Giovanni's Pizza — and where
Every dot is a financed Giovanni's Pizza — 7 mapped.
Financed Giovanni's Pizza locations — list all 7 as text
- Merlo Family Enterprise LLC — Shelbyville · $159K · FY2021 · Full-Service Restaurants
- RMW Enterprises LLC — London · $100K · FY2025 · Full-Service Restaurants
- Pizza Power of Waverly LLC — Waverly · $730K · FY2026 · Full-Service Restaurants
- Giovanni's of Dorton, LLC — Jenkins · $30K · FY2020 · Full-Service Restaurants
- Southern Valley Pizza LLC — South Williamson · $261K · FY2025 · Limited-Service Restaurants
- Maysville Giovannis, LLC — Vanceburg · $209K · FY2021 · Limited-Service Restaurants
- SJT LLC — Lucasville · $785K · FY2021 · Full-Service Restaurants
Top lenders for this brand
Most active states
- 1.Kentucky (5 loans)
- 2.Ohio (2 loans)
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Common questions
How much does a Giovanni's Pizza cost to buy or open?
The typical deal for Giovanni's Pizza is $209K across 7 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $23K of buyer cash on a typical deal.
How risky is Giovanni's Pizza?
Giovanni's Pizza 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 Giovanni's Pizza with an SBA loan?
Yes — Giovanni's Pizza 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 Giovanni's Pizza franchise
Most Giovanni's Pizza 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 Giovanni's Pizza deal financed for $209K, which points to about $23K of buyer cash on a typical purchase. Giovanni's Pizza is listed in the SBA Franchise Directory (identifier S4739), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Giovanni's Pizza — 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 Giovanni's Pizza — 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 Giovanni's Pizza — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Giovanni's Pizza 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
- $209K typical deal
- 3 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S4739)
- Top lenders: Community Trust Bank, Inc., Fifth Third Bank, WesBanco Bank, Inc.
- 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 Giovanni's Pizza.