Guthrie's, 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 S3237)
7 deals since 2020 · typical deal $657K
7
Deals since 2020
$657K
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Guthrie's
Most Guthrie's deals financed between $593K and $1.07M. Above $1.07M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $8,592
- Down payment (10%)
- $73K
- Cash to close (all-in)
- $98K
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 ~$98K)
Experience
Recent financings
- Chicken Legacy, LLC in Trussville, AL — $657K (2025) · purchase · ServisFirst Bank
- Program
- 7a General
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $493K (75%)
- Approval → funding
- 22 days
- Approved
- 11/12/2024
- First disbursed
- 12/4/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $730K
- Est. down payment (10%)
- $73K
- Est. cash at closing
- $98K
- Monthly payment
- $8,146
- Annual debt service
- $98K
- Cash flow needed (1.25×)
- $122K
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 ServisFirst Bank · Lender record →
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- Silverback Chick, LLC in Senoia, GA — $593K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $444K (75%)
- Approval → funding
- 10 days
- Approved
- 6/23/2023
- First disbursed
- 7/3/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 34
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- Silverback Chick, LLC in Senoia, GA — $50K (2023) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 6/23/2023
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 34
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- Chicken Dynasty LLC in Trussville, AL — $1.2M (2022) · purchase · Regions Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.99% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $900K (75%)
- Approval → funding
- 11 days
- Approved
- 5/23/2022
- First disbursed
- 6/3/2022
- Loan status
- Paid in full (12/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $133K
- Est. cash at closing
- $183K
- Monthly payment
- $10,062
- Annual debt service
- $121K
- Cash flow needed (1.25×)
- $151K
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 Regions Bank · Lender record →
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- Gut RBC LLC in Rainbow City, AL — $635K (2022) · purchase · Beacon Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 214 months
- SBA guaranteed
- $476K (75%)
- Approval → funding
- 8 days
- Approved
- 8/24/2022
- First disbursed
- 9/1/2022
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 24
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $706K
- Est. down payment (10%)
- $71K
- Est. cash at closing
- $94K
- Monthly payment
- $5,579
- Annual debt service
- $67K
- Cash flow needed (1.25×)
- $84K
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 Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
- Southern Deli Peachtree City LLC in Peachtree City, GA — $1.1M (2021) · Renasant Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $965K (90%)
- Approved
- 8/11/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 170
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Renasant Bank · Lender record →
Your business? Claim this record · Request removal
- Southern Deli-Fayetteville, LLC in Fayetteville, GA — $1.0M (2021) · Renasant Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $917K (90%)
- Approved
- 8/11/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 170
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Renasant Bank · Lender record →
Your business? Claim this record · Request removal
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Who funds Guthrie's — and where
Every dot is a financed Guthrie's — 7 mapped.
Financed Guthrie's locations — list all 7 as text
- Chicken Dynasty LLC — Trussville · $1.2M · FY2022 · Full-Service Restaurants
- Gut RBC LLC — Rainbow City · $635K · FY2022 · Limited-Service Restaurants
- Chicken Legacy, LLC — Trussville · $657K · FY2025 · Full-Service Restaurants
- Silverback Chick, LLC — Senoia · $593K · FY2023 · Limited-Service Restaurants
- Silverback Chick, LLC — Senoia · $50K · FY2023 · Limited-Service Restaurants
- Southern Deli-Fayetteville, LLC — Fayetteville · $1.0M · FY2021 · Limited-Service Restaurants
- Southern Deli Peachtree City LLC — Peachtree City · $1.1M · FY2021 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.Georgia (4 loans)
- 2.Alabama (3 loans)
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Common questions
How much does a Guthrie's cost to buy or open?
The typical deal for Guthrie's is $657K across 7 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $72K of buyer cash on a typical deal.
How risky is Guthrie's?
Guthrie's 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 Guthrie's with an SBA loan?
Yes — Guthrie's 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 Guthrie's franchise
Most Guthrie's 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 Guthrie's deal financed for $657K, which points to about $72K of buyer cash on a typical purchase. Guthrie's is listed in the SBA Franchise Directory (identifier S3237), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Guthrie's — 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 Guthrie's — 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 Guthrie's — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Guthrie's 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
- $657K typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S3237)
- Top lenders: The Huntington National Bank, Renasant Bank, Regions 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 Guthrie's.