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Huddle House, 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 S0833)

5 deals since 2020 · typical deal $2.0M

5

Deals since 2020

$2.0M

Typical deal

0

Deals since FY2025

—

Too few deals to score risk

Huddle House has 5 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 Huddle House

Most Huddle House deals financed between $1.60M and $2.11M. Above $2.11M, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$26,468
Down payment (10%)
$225K
Cash to close (all-in)
$310K

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 ~$310K)

Experience

Recent financings

  • Carson Michael Restaurants, LLC in Decatur, IL — $2.2M (2022) · First Mid Bank & Trust, National Association
  • HH Cleveland LLC in Cleveland, GA — $2.1M (2022) · purchase · United Bank
  • S&K Brothers Inc in Jasper, TN — $2.0M (2021) · First Bank of the Lake
  • Huddle House Store 1094, LLC in Andrews, TX — $1.6M (2021) · Celtic Bank Corporation
  • Huddle House in Centreville, AL — $660K (2021) · First Bank of the Lake

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Huddle House brand mark

Who funds Huddle House — and where

Every dot is a financed Huddle House — 5 mapped.

Financed Huddle House locations — list all 5 as text

Top lenders for this brand

  1. 1.First Bank of the Lake(2)
  2. 2.Celtic Bank Corporation(1)
  3. 3.First Mid Bank & Trust, National Association(1)
  4. 4.United Bank(1)

Most active states

  1. 1.Tennessee (1 loans)
  2. 2.Texas (1 loans)
  3. 3.Illinois (1 loans)
  4. 4.Georgia (1 loans)
  5. 5.Alabama (1 loans)

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Common questions

How much does a Huddle House cost to buy or open?

The typical deal for Huddle House is $2.0M across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $223K of buyer cash on a typical deal.

How risky is Huddle House?

Huddle House has 5 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 Huddle House with an SBA loan?

Yes — Huddle House 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 Huddle House franchise

Most Huddle House 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 Huddle House deal financed for $2.0M, which points to about $223K of buyer cash on a typical purchase. Huddle House is listed in the SBA Franchise Directory (identifier S0833), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Huddle House — 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 Huddle House — 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 Huddle House — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Huddle House is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 5 SBA 7(a) deals since 2020
  • $2.0M typical deal
  • 0 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S0833)
  • Top lenders: First Bank of the Lake, Celtic Bank Corporation, First Mid Bank & Trust, National Association

Next steps

Check SBA fitFind SBA lenders$9 lender report
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.
Canonical:
https://www.capbench.com/franchises/huddle-house
API:
https://www.capbench.com/api/public/franchises/huddle-house
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 Huddle House.

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