KFC, by the numbers
KFC appears in 10 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 S0930)
10 deals since 2020 · typical deal $653K
10
Deals since 2020
$653K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for KFC
Most KFC deals financed between $350K and $2.81M. Above $2.81M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $8,539
- Down payment (10%)
- $73K
- Cash to close (all-in)
- $97K
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 ~$97K)
Experience
Recent financings
- Madinah Food LLC in Galveston, TX — $500K (2024) · purchase · Fifth Third Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approved
- 12/27/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $556K
- Est. down payment (10%)
- $56K
- Est. cash at closing
- $74K
- Monthly payment
- $6,066
- Annual debt service
- $73K
- Cash flow needed (1.25×)
- $91K
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 Fifth Third Bank · Lender record →
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- LUCKY DINING INC. in Howell, MI — $350K (2023) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $175K (50%)
- Approval → funding
- 29 days
- Approved
- 11/3/2022
- First disbursed
- 12/2/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- EGP Louisiana LLC in Port Allen, LA — $3.5M (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.6M (75%)
- Approval → funding
- 47 days
- Approved
- 1/28/2022
- First disbursed
- 3/16/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $3.9M
- Est. down payment (10%)
- $388K
- Est. cash at closing
- $537K
- Monthly payment
- $37,498
- Annual debt service
- $450K
- Cash flow needed (1.25×)
- $562K
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 Live Oak Banking Company · Lender record →
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- RO Foods, Inc. in North Richland Hills, TX — $2.8M (2022) · Frost Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.1M (75%)
- Approval → funding
- 280 days
- Approved
- 9/23/2022
- First disbursed
- 6/30/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 75
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Frost Bank · Lender record →
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- CL Food Enterprises LLC in Baltimore, MD — $653K (2022) · purchase · Dime Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $490K (75%)
- Approval → funding
- 41 days
- Approved
- 9/27/2022
- First disbursed
- 11/7/2022
- Loan status
- Paid in full (1/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 25
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $726K
- Est. down payment (10%)
- $73K
- Est. cash at closing
- $97K
- Monthly payment
- $7,837
- Annual debt service
- $94K
- Cash flow needed (1.25×)
- $118K
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 Dime Community Bank · Lender record →
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- RO Foods, Inc. in North Richland Hills, TX — $250K (2022) · Frost Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.5% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $125K (50%)
- Approved
- 9/23/2022
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 75
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Frost Bank · Lender record →
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- Golden Triangle Enterprises, LLC in La Puente, CA — $200K (2022) · United Pacific Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $150K (75%)
- Approval → funding
- 18 days
- Approved
- 12/3/2021
- First disbursed
- 12/21/2021
- Loan status
- Paid in full (6/30/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 18
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by United Pacific Bank · Lender record →
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- Kotes Management LLC in Merrick, NY — $3.3M (2021) · purchase · Peapack Private Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.4M (75%)
- Approval → funding
- 129 days
- Approved
- 12/22/2020
- First disbursed
- 4/30/2021
- Loan status
- Paid in full (5/31/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 78
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $3.6M
- Est. down payment (10%)
- $361K
- Est. cash at closing
- $499K
- Monthly payment
- $35,675
- Annual debt service
- $428K
- Cash flow needed (1.25×)
- $535K
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 Peapack Private Bank and Trust · Lender record →
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- AVPROP LLC in Auburn, CA — $1.4M (2021) · Meadows Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.3M (90%)
- Approval → funding
- 4 days
- Approved
- 4/26/2021
- First disbursed
- 4/30/2021
- Loan status
- Paid in full (2/28/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 95
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Meadows Bank · Lender record →
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- Rayville KFC LLC in Rayville, LA — $603K (2020) · North State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 126 months
- SBA guaranteed
- $452K (75%)
- Approval → funding
- 46 days
- Approved
- 1/14/2020
- First disbursed
- 2/29/2020
- Loan status
- Paid in full (7/31/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by North State Bank · Lender record →
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Who funds KFC — and where
Every dot is a financed KFC — 10 mapped.
Financed KFC locations — list all 10 as text
- Kotes Management LLC — Merrick · $3.3M · FY2021 · Limited-Service Restaurants
- AVPROP LLC — Auburn · $1.4M · FY2021 · Limited-Service Restaurants
- LUCKY DINING INC. — Howell · $350K · FY2023 · Full-Service Restaurants
- RO Foods, Inc. — North Richland Hills · $2.8M · FY2022 · Limited-Service Restaurants
- RO Foods, Inc. — North Richland Hills · $250K · FY2022 · Limited-Service Restaurants
- CL Food Enterprises LLC — Baltimore · $653K · FY2022 · Limited-Service Restaurants
- Madinah Food LLC — Galveston · $500K · FY2024 · Limited-Service Restaurants
- Rayville KFC LLC — Rayville · $603K · FY2020 · Limited-Service Restaurants
- Golden Triangle Enterprises, LLC — La Puente · $200K · FY2022 · Limited-Service Restaurants
- EGP Louisiana LLC — Port Allen · $3.5M · FY2022 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.Texas (3 loans)KFC lenders in Texas->
- 2.California (2 loans)KFC lenders in California->
- 3.Louisiana (2 loans)KFC lenders in Louisiana->
- 4.New York (1 loans)KFC lenders in New York->
- 5.Michigan (1 loans)KFC lenders in Michigan->
- 6.Maryland (1 loans)KFC lenders in Maryland->
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Common questions
How much does a KFC cost to buy or open?
The typical deal for KFC is $653K across 10 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $72K of buyer cash on a typical deal.
How risky is KFC?
KFC has 10 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 KFC with an SBA loan?
Yes — KFC 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 KFC franchise
Most KFC 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 KFC deal financed for $653K, which points to about $72K of buyer cash on a typical purchase. KFC is listed in the SBA Franchise Directory (identifier S0930), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund KFC — 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 KFC — 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 KFC — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. KFC is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 10 SBA 7(a) deals since 2020
- $653K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0930)
- Top lenders: Frost Bank, Peapack Private Bank and Trust, Meadows Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-08-02.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Canonical:
- https://www.capbench.com/franchises/kfc
- 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 KFC.