Gold Star Chili, 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 S0726)

6 deals since 2020 · typical deal $906K

Deals since 2020

$906K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Gold Star Chili has 6 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 Gold Star Chili

Most Gold Star Chili deals financed between $25K and $920K. Above $920K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$906K

Monthly payment (10-yr): $11,848
Down payment (10%): $101K
Cash to close (all-in): $138K

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 ~$138K)

Experience

Recent financings

221 S High Street, LLC in Mount Orab, OH — $1.1M (2025) · First Commonwealth Bank
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
300 mo (25 yrs)
SBA guaranteed
$821K (75%)
Approval → funding
25 days
Approved
7/7/2025
First disbursed
8/1/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
CCJF CORP in Loveland, OH — $315K (2025) · First Commonwealth Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$158K (50%)
Approval → funding
77 days
Approved
2/19/2025
First disbursed
5/7/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
GS Maysville LLC in Maysville, KY — $920K (2023) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.99% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$690K (75%)
Approval → funding
15 days
Approved
8/3/2023
First disbursed
8/18/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
S & O Gold Inc. in Lebanon, OH — $24K (2022) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.25% variable
Term
60 mo (5 yrs)
SBA guaranteed
$12K (50%)
Approval → funding
14 days
Approved
3/16/2022
First disbursed
3/30/2022
Loan status
Paid in full (8/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
AZPINC LLC in Cincinnati, OH — $906K (2020) · purchase · First Merchants Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
304 months
SBA guaranteed
$680K (75%)
Approval → funding
18 days
Approved
12/13/2019
First disbursed
12/31/2019
Loan status
Paid in full (3/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$1.0M
Est. down payment (10%)
$101K
Est. cash at closing
$138K
Monthly payment
$6,665
Annual debt service
$80K
Cash flow needed (1.25×)
$100K
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 First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
DB&T North Inc. in Somerset, KY — $25K (2020) · Fifth Third Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.33% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
58 days
Approved
10/3/2019
First disbursed
11/30/2019
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Business age
Unanswered
Industry
Full-Service Restaurants
Funded by Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal

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Who funds Gold Star Chili — and where

Every dot is a financed Gold Star Chili — 6 mapped.

Financed Gold Star Chili locations — list all 6 as text

221 S High Street, LLC — Mount Orab · $1.1M · FY2025 · Limited-Service Restaurants
CCJF CORP — Loveland · $315K · FY2025 · Limited-Service Restaurants
GS Maysville LLC — Maysville · $920K · FY2023 · Limited-Service Restaurants
DB&T North Inc. — Somerset · $25K · FY2020 · Full-Service Restaurants
AZPINC LLC — Cincinnati · $906K · FY2020 · Limited-Service Restaurants
S & O Gold Inc. — Lebanon · $24K · FY2022 · Full-Service Restaurants

Top lenders for this brand

Most active states

1.Ohio (4 loans)
2.Kentucky (2 loans)

Represent Gold Star Chili?

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Insider move

Start with the lenders above — a bank that's funded Gold Star Chili 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 Gold Star Chili lending specialist.

Common questions

How much does a Gold Star Chili cost to buy or open?

The typical deal for Gold Star Chili is $906K across 6 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $100K of buyer cash on a typical deal.

How risky is Gold Star Chili?

Gold Star Chili 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 Gold Star Chili with an SBA loan?

Yes — Gold Star Chili 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 Gold Star Chili franchise

Most Gold Star Chili 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 Gold Star Chili deal financed for $906K, which points to about $100K of buyer cash on a typical purchase. Gold Star Chili is listed in the SBA Franchise Directory (identifier S0726), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Gold Star Chili — 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 Gold Star Chili — 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 Gold Star Chili — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Gold Star Chili 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
$906K typical deal
2 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S0726)
Top lenders: First Commonwealth Bank, U.S. Bank, National Association, Fifth Third 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 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/franchises/gold-star-chili
API:: https://www.capbench.com/api/public/franchises/gold-star-chili
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 Gold Star Chili.