I Heart Mac & Cheese, 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 S4511)
34 deals since 2020 · typical deal $350K · 9.68% failure rate
34
Deals since 2020
$350K
Typical deal
0
Deals since FY2025
9.68%
Failure rate (FY20–23)
What buyers pay for I Heart Mac & Cheese
Most I Heart Mac & Cheese deals financed between $180K and $495K. Above $495K, 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
- Hamby Family Enterprise LLC in East Lansing, MI — $500K (2024) · The Dart Bank
- Program
- 7a General
- Rate at approval
- 9% fixed
- Term
- 130 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 43 days
- Approved
- 3/7/2024
- First disbursed
- 4/19/2024
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Dart Bank · Lender record →
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- HK Food Management LLC in Mcdonough, GA — $495K (2024) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $371K (75%)
- Approved
- 10/6/2023
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by BayFirst National Bank · Lender record →
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- RAYNEV HOLDINGS LLC in Destin, FL — $262K (2024) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $197K (75%)
- Approval → funding
- 15 days
- Approved
- 12/13/2023
- First disbursed
- 12/28/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by BayFirst National Bank · Lender record →
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- TCKC Investments LLC in Winter Garden, FL — $946K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $710K (75%)
- Approved
- 9/28/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- JCLORY, LLC in Chesterfield, MO — $670K (2023) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 129 months
- SBA guaranteed
- $502K (75%)
- Approval → funding
- 74 days
- Approved
- 9/9/2023
- First disbursed
- 11/22/2023
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- I Heart Mac & Cheese in Sacramento, CA — $624K (2023) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 126 months
- SBA guaranteed
- $468K (75%)
- Approval → funding
- 23 days
- Approved
- 9/2/2023
- First disbursed
- 9/25/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 27
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Celtic Bank Corporation · Lender record →
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- Soni Foods LLC in North Richland Hills, TX — $538K (2023) · TowneBank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $404K (75%)
- Approval → funding
- 27 days
- Approved
- 3/30/2023
- First disbursed
- 4/26/2023
- Loan status
- Current
- 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 TowneBank · Lender record →
Your business? Claim this record · Request removal
- Moran Food LLC in Clayton, NC — $500K (2023) · CRF Small Business Loan Company, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 126 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 22 days
- Approved
- 6/13/2023
- First disbursed
- 7/5/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 35
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by CRF Small Business Loan Company, LLC · Lender record →
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- Waters Hospitality Group, LLC in Hixson, TN — $423K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $317K (75%)
- Approval → funding
- 29 days
- Approved
- 1/9/2023
- First disbursed
- 2/7/2023
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Hamby Family Enterprise LLC in East Lansing, MI — $350K (2023) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 126 months
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 19 days
- Approved
- 5/19/2023
- First disbursed
- 6/7/2023
- Loan status
- Paid in full (4/30/2024)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 19
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
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Who funds I Heart Mac & Cheese — and where
Every dot is a financed I Heart Mac & Cheese — 34 mapped.
Financed I Heart Mac & Cheese locations — list all 34 as text
- Annnnapurna Inc — Elkhart · $180K · FY2021 · Full-Service Restaurants
- BJL Ventures LLC — Tempe · $168K · FY2021 · Limited-Service Restaurants
- Mac Daddy Colorado, LLC — Highlands Ranch · $347K · FY2021 · Limited-Service Restaurants
- Soyo, Inc. — Schaumburg · $284K · FY2021 · Limited-Service Restaurants
- Soyo, Inc. — Schaumburg · $25K · FY2021 · Limited-Service Restaurants
- Waters Hospitality Group, LLC — Hixson · $25K · FY2023 · Limited-Service Restaurants
- Waters Hospitality Group, LLC — Hixson · $423K · FY2023 · Limited-Service Restaurants
- Tygercat, Inc. — Urbana · $250K · FY2020 · Full-Service Restaurants
- Hamby Family Enterprise LLC — East Lansing · $500K · FY2024 · Limited-Service Restaurants
- I Heart Mac & Cheese — Sacramento · $624K · FY2023 · Limited-Service Restaurants
- JCLORY, LLC — Chesterfield · $670K · FY2023 · Limited-Service Restaurants
- JMKC Enterprise LLC — Virginia Beach · $349K · FY2023 · Limited-Service Restaurants
- TCKC Investments LLC — Winter Garden · $50K · FY2023 · Limited-Service Restaurants
- TCKC Investments LLC — Winter Garden · $946K · FY2023 · Limited-Service Restaurants
- HK Food Management LLC — Mcdonough · $495K · FY2024 · Full-Service Restaurants
- RAYNEV HOLDINGS LLC — Destin · $262K · FY2024 · Full-Service Restaurants
- Soni Foods LLC — North Richland Hills · $538K · FY2023 · Limited-Service Restaurants
- Hamby Family Enterprise LLC — East Lansing · $350K · FY2023 · Limited-Service Restaurants
- Moran Food LLC — Clayton · $500K · FY2023 · Full-Service Restaurants
- I Heart Mac & Cheese of Westfield, LLC — Westfield · $464K · FY2020 · Full-Service Restaurants
- Soyo 217 Inc — Schaumburg · $150K · FY2020 · Full-Service Restaurants
- LB2 Group, LLC — Indian Trail · $640K · FY2022 · Limited-Service Restaurants
- PRH Restaurant Group LLC — Saginaw · $350K · FY2022 · Full-Service Restaurants
- PRH Restaurant Group LLC — Saginaw · $30K · FY2022 · Full-Service Restaurants
- PRH Restaurant Group LLC — Saginaw · $30K · FY2022 · Full-Service Restaurants
- PRH Restaurant Group LLC — Saginaw · $350K · FY2022 · Full-Service Restaurants
- I Heart Mac and Cheese — Mont Belvieu · $225K · FY2022 · Limited-Service Restaurants
- MN Mac & Cheese LLC — Saint Paul · $469K · FY2022 · Limited-Service Restaurants
- MacNorth Ventures, LLC — Cypress · $350K · FY2021 · Limited-Service Restaurants
- TygerCat, Inc. — Urbana · $270K · FY2021 · Limited-Service Restaurants
- TygerCat, Inc. — Urbana · $25K · FY2021 · Limited-Service Restaurants
- Mac Daddy Colorado II LLC — Denver · $458K · FY2021 · Limited-Service Restaurants
- Liam Food Group LLC — Fort Mill · $340K · FY2021 · Limited-Service Restaurants
- Pranali, LLC — West Columbia · $506K · FY2021 · Limited-Service Restaurants
Top lenders for this brand
1.The Huntington National Bank(13)
2.BayFirst National Bank(3)
3.Citizens Bank(3)
4.The Bancorp Bank National Association(2)
- 5.Newtek Small Business Finance, Inc. (2)
Most active states
- 1.Illinois (6 loans)
- 2.Michigan (6 loans)
- 3.Florida (3 loans)
- 4.Texas (3 loans)
- 5.Indiana (2 loans)
- 6.Colorado (2 loans)
- 7.Tennessee (2 loans)
- 8.North Carolina (2 loans)
Represent I Heart Mac & Cheese?
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Common questions
How much does a I Heart Mac & Cheese cost to buy or open?
The typical deal for I Heart Mac & Cheese is $350K across 34 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 I Heart Mac & Cheese?
9.68% of I Heart Mac & Cheese's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.
Can I finance a I Heart Mac & Cheese with an SBA loan?
Yes — I Heart Mac & Cheese 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 I Heart Mac & Cheese franchise
Most I Heart Mac & Cheese 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 I Heart Mac & Cheese deal financed for $350K, which points to about $39K of buyer cash on a typical purchase. I Heart Mac & Cheese is listed in the SBA Franchise Directory (identifier S4511), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund I Heart Mac & Cheese — 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 I Heart Mac & Cheese — 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 I Heart Mac & Cheese — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. I Heart Mac & Cheese is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 34 SBA 7(a) deals since 2020
- $350K typical deal
- 0 deals since FY2025
- 9.68% failure rate (FY20–23 cohort)
- SBA Franchise Directory: listed (identifier S4511)
- Top lenders: The Huntington National Bank, BayFirst National Bank, Citizens 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.
Still have questions about buying a I Heart Mac & Cheese?
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with I Heart Mac & Cheese.