Hardee'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 S0791)
3 deals since 2020 · typical deal $1.4M
3
Deals since 2020
$1.4M
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Hardee's
Most Hardee's deals financed between $690K and $4.50M. Above $4.50M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $17,916
- Down payment (10%)
- $152K
- Cash to close (all-in)
- $209K
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 ~$209K)
Experience
Recent financings
- Hardee's in Niles, MI — $690K (2025) · purchase · United FCU
- Program
- 7a General
- Rate at approval
- 10.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $518K (75%)
- Approval → funding
- 17 days
- Approved
- 2/28/2025
- First disbursed
- 3/17/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $767K
- Est. down payment (10%)
- $77K
- Est. cash at closing
- $103K
- Monthly payment
- $6,392
- Annual debt service
- $77K
- Cash flow needed (1.25×)
- $96K
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 United FCU · Lender record →
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- Hardee's in Rocky Mount, NC — $4.5M (2024) · North State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $3.4M (75%)
- Approval → funding
- 35 days
- Approved
- 7/19/2024
- First disbursed
- 8/23/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 148
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by North State Bank · Lender record →
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- Tasty Star, Inc. in Lodi, CA — $1.4M (2022) · purchase · Columbia Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 9 days
- Approved
- 4/27/2022
- First disbursed
- 5/6/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 40
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.5M
- Est. down payment (10%)
- $152K
- Est. cash at closing
- $209K
- Monthly payment
- $8,009
- Annual debt service
- $96K
- Cash flow needed (1.25×)
- $120K
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 Columbia Bank · Lender record →
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Who funds Hardee's — and where
Every dot is a financed Hardee's — 3 mapped.
Financed Hardee's locations — list all 3 as text
- Hardee's — Rocky Mount · $4.5M · FY2024 · Limited-Service Restaurants
- Tasty Star, Inc. — Lodi · $1.4M · FY2022 · Limited-Service Restaurants
- Hardee's — Niles · $690K · FY2025 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.North Carolina (1 loans)
- 2.California (1 loans)
- 3.Michigan (1 loans)
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Common questions
How much does a Hardee's cost to buy or open?
The typical deal for Hardee's is $1.4M across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $151K of buyer cash on a typical deal.
How risky is Hardee's?
Hardee's 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 Hardee's with an SBA loan?
Yes — Hardee'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 Hardee's franchise
Most Hardee'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 Hardee's deal financed for $1.4M, which points to about $151K of buyer cash on a typical purchase. Hardee's is listed in the SBA Franchise Directory (identifier S0791), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Hardee'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 Hardee'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 Hardee's — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Hardee's 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
- $1.4M typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0791)
- Top lenders: North State Bank, Columbia Bank, United FCU
- 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 Hardee's.