Jack in the Box, 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 S0892)

2 deals since 2020 · typical deal $2.6M

Deals since 2020

$2.6M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Jack in the Box 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 Jack in the Box

Most Jack in the Box deals financed between $2.50M and $2.63M. Above $2.63M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$2.63M

Monthly payment (10-yr): $34,393
Down payment (10%): $292K
Cash to close (all-in): $403K

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 ~$403K)

Experience

Recent financings

TWINS HOSPITALITY QSR, INC in Battle Creek, MI — $2.6M (2025) · Merchants Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
312 mo (26 yrs)
SBA guaranteed
$2.0M (75%)
Approval → funding
62 days
Approved
9/24/2025
First disbursed
11/25/2025
Loan status
Current
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 Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
JIB JOLIET, LLC in Joliet, IL — $2.5M (2025) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
6.5% variable
Term
306 months
SBA guaranteed
$1.9M (75%)
Approval → funding
28 days
Approved
8/25/2025
First disbursed
9/22/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal

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Who funds Jack in the Box — and where

Every dot is a financed Jack in the Box — 2 mapped.

Financed Jack in the Box locations — list all 2 as text

JIB JOLIET, LLC — Joliet · $2.5M · FY2025 · Full-Service Restaurants
TWINS HOSPITALITY QSR, INC — Battle Creek · $2.6M · FY2025 · Limited-Service Restaurants

Top lenders for this brand

Most active states

1.Illinois (1 loans)
2.Michigan (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Jack in the Box 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 Jack in the Box lending specialist.

Common questions

How much does a Jack in the Box cost to buy or open?

The typical deal for Jack in the Box is $2.6M across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $289K of buyer cash on a typical deal.

How risky is Jack in the Box?

Jack in the Box 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 Jack in the Box with an SBA loan?

Yes — Jack in the Box has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Jack in the Box franchise

Most Jack in the Box 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 Jack in the Box deal financed for $2.6M, which points to about $289K of buyer cash on a typical purchase. Jack in the Box is listed in the SBA Franchise Directory (identifier S0892), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Jack in the Box — 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 Jack in the Box — 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 Jack in the Box — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Jack in the Box 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
$2.6M typical deal
2 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S0892)
Top lenders: Live Oak Banking Company, Merchants Bank of Indiana

Next steps

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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/jack-in-the-box
API:: https://www.capbench.com/api/public/franchises/jack-in-the-box
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 Jack in the Box.