Hi-Pointe Drive-In, by the numbers

Hi-Pointe Drive-In appears in 2 SBA 7(a) loans since 2020 — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S5500)

2 deals since 2020 · typical deal $2.1M

Deals since 2020

$2.1M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Hi-Pointe Drive-In has 2 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 Hi-Pointe Drive-In

Most Hi-Pointe Drive-In deals financed between $450K and $2.07M. Above $2.07M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$2.07M

Monthly payment (10-yr): $27,069
Down payment (10%): $230K
Cash to close (all-in): $317K

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 ~$317K)

Experience

Recent financings

Shine-Hi LLC in O'Fallon, IL — $2.1M (2021) · Bank of Belleville
Program
7a General
Rate at approval
5.25% variable
Term
275 months
SBA guaranteed
$1.9M (90%)
Approval → funding
19 days
Approved
5/27/2021
First disbursed
6/15/2021
Loan status
Failed — $972K charged off (3/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
66
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Bank of Belleville · Lender record →
Your business? Claim this record · Request removal
Shine-Hi LLC in O Fallon, IL — $450K (2020) · Scott Credit Union
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$338K (75%)
Approved
7/29/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
25
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Scott Credit Union
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Who funds Hi-Pointe Drive-In — and where

Every dot is a financed Hi-Pointe Drive-In — 2 mapped.

Financed Hi-Pointe Drive-In locations — list all 2 as text

Shine-Hi LLC — O'Fallon · $2.1M · FY2021 · Full-Service Restaurants
Shine-Hi LLC — O Fallon · $450K · FY2020 · Limited-Service Restaurants

Top lenders for this brand

1.Bank of Belleville(1)
2.Scott Credit Union (1)

Most active states

1.Illinois (2 loans)Hi-Pointe Drive-In lenders in Illinois->

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Insider move

Start with the lenders above — a bank that's funded Hi-Pointe Drive-In 1 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 Hi-Pointe Drive-In lending specialist.

Common questions

How much does a Hi-Pointe Drive-In cost to buy or open?

The typical deal for Hi-Pointe Drive-In is $2.1M across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $228K of buyer cash on a typical deal.

How risky is Hi-Pointe Drive-In?

Hi-Pointe Drive-In has 2 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 Hi-Pointe Drive-In with an SBA loan?

Yes — Hi-Pointe Drive-In 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 Hi-Pointe Drive-In franchise

Most Hi-Pointe Drive-In 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 Hi-Pointe Drive-In deal financed for $2.1M, which points to about $228K of buyer cash on a typical purchase. Hi-Pointe Drive-In is listed in the SBA Franchise Directory (identifier S5500), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Hi-Pointe Drive-In — 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 Hi-Pointe Drive-In — 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 Hi-Pointe Drive-In — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Hi-Pointe Drive-In is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

2 SBA 7(a) deals since 2020
$2.1M typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S5500)
Top lenders: Bank of Belleville, Scott Credit Union

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 2026-08-01.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/franchises/hi-pointe-drive-in
API:: https://www.capbench.com/api/public/franchises/hi-pointe-drive-in
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 Hi-Pointe Drive-In.