Grumpy's Restaurant, 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 S3987)
6 deals since 2020 · typical deal $895K
6
Deals since 2020
$895K
Typical deal
2
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Grumpy's Restaurant
Most Grumpy's Restaurant deals financed between $808K and $895K. Above $895K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $11,704
- Down payment (10%)
- $99K
- Cash to close (all-in)
- $136K
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 ~$136K)
Experience
Recent financings
- WE'RE GRUMPY TWO LLC in Middleburg, FL — $808K (2026) · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $606K (75%)
- Approved
- 1/28/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 96
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by The Bancorp Bank National Association · Lender record →
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- WE'RE GRUMPY, LLC in Fleming Island, FL — $184K (2026) · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $138K (75%)
- Approved
- 1/28/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 43
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by The Bancorp Bank National Association · Lender record →
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- Grumpy's Restaurant Company Neptune Beach in Neptune Beach, FL — $1.3M (2022) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 126 months
- SBA guaranteed
- $941K (75%)
- Approval → funding
- 22 days
- Approved
- 9/8/2022
- First disbursed
- 9/30/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
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- Grumpy’s Restaurant Company Neptune Beach in Neptune Beach, FL — $895K (2022) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 126 months
- SBA guaranteed
- $671K (75%)
- Approved
- 7/5/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
- Grumpy's Restaurant Company Neptune Beach in Neptune Beach, FL — $895K (2022) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 126 months
- SBA guaranteed
- $671K (75%)
- Approved
- 3/14/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
- RHODEN ENTERPRISES AT WILDLIGHT LLC in Yulee, FL — $844K (2022) · Pineland Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 129 months
- SBA guaranteed
- $633K (75%)
- Approval → funding
- 22 days
- Approved
- 7/12/2022
- First disbursed
- 8/3/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 42
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Pineland Bank · Lender record →
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Who funds Grumpy's Restaurant — and where
Every dot is a financed Grumpy's Restaurant — 6 mapped.
Financed Grumpy's Restaurant locations — list all 6 as text
- WE'RE GRUMPY, LLC — Fleming Island · $184K · FY2026 · Full-Service Restaurants
- WE'RE GRUMPY TWO LLC — Middleburg · $808K · FY2026 · Full-Service Restaurants
- Grumpy’s Restaurant Company Neptune Beach — Neptune Beach · $895K · FY2022 · Full-Service Restaurants
- RHODEN ENTERPRISES AT WILDLIGHT LLC — Yulee · $844K · FY2022 · Full-Service Restaurants
- Grumpy's Restaurant Company Neptune Beach — Neptune Beach · $1.3M · FY2022 · Full-Service Restaurants
- Grumpy's Restaurant Company Neptune Beach — Neptune Beach · $895K · FY2022 · Full-Service Restaurants
Top lenders for this brand
- 1.Newtek Small Business Finance, Inc. (3)
2.The Bancorp Bank National Association(2)
3.Pineland Bank(1)
Most active states
- 1.Florida (6 loans)
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Common questions
How much does a Grumpy's Restaurant cost to buy or open?
The typical deal for Grumpy's Restaurant is $895K across 6 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $98K of buyer cash on a typical deal.
How risky is Grumpy's Restaurant?
Grumpy's Restaurant 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 Grumpy's Restaurant with an SBA loan?
Yes — Grumpy's Restaurant 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 Grumpy's Restaurant franchise
Most Grumpy's Restaurant 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 Grumpy's Restaurant deal financed for $895K, which points to about $98K of buyer cash on a typical purchase. Grumpy's Restaurant is listed in the SBA Franchise Directory (identifier S3987), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Grumpy's Restaurant — 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 Grumpy's Restaurant — 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 Grumpy's Restaurant — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Grumpy's Restaurant 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
- $895K typical deal
- 2 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S3987)
- Top lenders: Newtek Small Business Finance, Inc., The Bancorp Bank National Association, Pineland Bank
- 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 Grumpy's Restaurant.