Krystal, 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 S0961)

1 deals since 2020 · typical deal $322K

Deals since 2020

$322K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Krystal has 1 SBA deal 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 Krystal

Most Krystal deals financed between $322K and $322K. Above $322K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$322K

Monthly payment (10-yr): $4,474
Down payment (10%): $36K
Cash to close (all-in): $48K

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 ~$48K)

Experience

Recent financings

Crescent Bourbon LLC in New Orleans, LA — $322K (2024) · Hancock Whitney Bank
Program
7a General
Rate at approval
11% variable
Term
123 months
SBA guaranteed
$241K (75%)
Approval → funding
44 days
Approved
8/16/2024
First disbursed
9/29/2024
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 Hancock Whitney Bank · Lender record →
Your business? Claim this record · Request removal

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

One of these businesses yours? Claim your listing or request removal.

Free · No documents · Usually same-day

Serious about buying a Krystal?

Get qualified with a franchise lending specialist before discovery day — know your number first.

Who funds Krystal — and where

Every dot is a financed Krystal — 1 mapped.

Financed Krystal locations — list all 1 as text

Crescent Bourbon LLC — New Orleans · $322K · FY2024 · Limited-Service Restaurants

Top lenders for this brand

1.Hancock Whitney Bank(1)

Most active states

1.Louisiana (1 loans)

Represent Krystal?

Claim this brand page free to keep the numbers in context, add your story, and hear about qualified buyers early.

Claim this listing

Insider move

Start with the lenders above — a bank that's funded Krystal 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 Krystal lending specialist.

Common questions

How much does a Krystal cost to buy or open?

The typical deal for Krystal is $322K across 1 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $35K of buyer cash on a typical deal.

How risky is Krystal?

Krystal has 1 SBA loan 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 Krystal with an SBA loan?

Yes — Krystal 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 Krystal franchise

Most Krystal 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 Krystal deal financed for $322K, which points to about $35K of buyer cash on a typical purchase. Krystal is listed in the SBA Franchise Directory (identifier S0961), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Krystal — 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 Krystal — 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 Krystal — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Krystal is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

1 SBA 7(a) deal since 2020
$322K typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S0961)
Top lenders: Hancock Whitney Bank

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 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/franchises/krystal
API:: https://www.capbench.com/api/public/franchises/krystal
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 Krystal?

Five minutes with a specialist who's seen Krystal deals close answers more than an hour of searching. Free, usually same-day.

Represent Krystal?

Claim this brand page to keep the numbers in context, add your story, and hear about qualified buyers early.

Claim this listing Request removal

CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Krystal.