Happy'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 S0788)
3 deals since 2020 · typical deal $350K
3
Deals since 2020
$350K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Happy's Pizza
Most Happy's Pizza deals financed between $25K and $1.41M. Above $1.41M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $4,871
- Down payment (10%)
- $39K
- Cash to close (all-in)
- $52K
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 ~$52K)
Experience
Recent financings
- Ramen Enterprise Inc in Kalamazoo, MI — $1.4M (2022) · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 272 months
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 25 days
- Approved
- 4/6/2022
- First disbursed
- 5/1/2022
- 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
- 12
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by First Internet Bank of Indiana · Lender record →
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- James & Associates, Inc in Detroit, MI — $350K (2020) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 83 months
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 40 days
- Approved
- 4/21/2020
- First disbursed
- 5/31/2020
- Loan status
- Failed — $283K charged off (9/24/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- James & Associates, Inc in Detroit, MI — $25K (2020) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6% variable
- Term
- 83 months
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 370 days
- Approved
- 4/21/2020
- First disbursed
- 4/26/2021
- Loan status
- Failed — $25K charged off (6/27/2024)
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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Who funds Happy's Pizza — and where
Every dot is a financed Happy's Pizza — 3 mapped.
Financed Happy's Pizza locations — list all 3 as text
- James & Associates, Inc — Detroit · $25K · FY2020 · Limited-Service Restaurants
- James & Associates, Inc — Detroit · $350K · FY2020 · Limited-Service Restaurants
- Ramen Enterprise Inc — Kalamazoo · $1.4M · FY2022 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.Michigan (3 loans)
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Common questions
How much does a Happy's Pizza cost to buy or open?
The typical deal for Happy's Pizza is $350K across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $39K of buyer cash on a typical deal.
How risky is Happy's Pizza?
Happy's Pizza has 3 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 Happy's Pizza with an SBA loan?
Yes — Happy's Pizza has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Happy's Pizza franchise
Most Happy'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 Happy's Pizza deal financed for $350K, which points to about $39K of buyer cash on a typical purchase. Happy's Pizza is listed in the SBA Franchise Directory (identifier S0788), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Happy'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 Happy'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 Happy's Pizza — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Happy's Pizza is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 3 SBA 7(a) deals since 2020
- $350K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0788)
- Top lenders: The Huntington National Bank, First Internet Bank of Indiana
- 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 Happy's Pizza.