Long John Silver's, 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 S1014)

2 deals since 2020 · typical deal $1.8M

Deals since 2020

$1.8M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Long John Silver's 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 Long John Silver's

Most Long John Silver's deals financed between $50K and $1.75M. Above $1.75M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$1.75M

Monthly payment (10-yr): $22,885
Down payment (10%): $194K
Cash to close (all-in): $267K

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 ~$267K)

Experience

Recent financings

Affinity Management, Inc. in Cincinnati, OH — $50K (2024) · First Merchants Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$43K (85%)
Approved
10/5/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
100
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
Scarlet Cactus LLC in Belen, NM — $1.8M (2022) · Stone Bank
Program
Preferred Lenders Program
Rate at approval
6.25% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$1.3M (75%)
Approval → funding
17 days
Approved
4/12/2022
First disbursed
4/29/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
New Business or 2 years or less
Industry
Gasoline Stations with Convenience Stores
Funded by Stone 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 Long John Silver's?

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

Who funds Long John Silver's — and where

Every dot is a financed Long John Silver's — 2 mapped.

Financed Long John Silver's locations — list all 2 as text

Affinity Management, Inc. — Cincinnati · $50K · FY2024 · Limited-Service Restaurants
Scarlet Cactus LLC — Belen · $1.8M · FY2022 · Gasoline Stations with Convenience Stores

Top lenders for this brand

Most active states

1.Ohio (1 loans)
2.New Mexico (1 loans)

Represent Long John Silver's?

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 Long John Silver's 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 Long John Silver's lending specialist.

Common questions

How much does a Long John Silver's cost to buy or open?

The typical deal for Long John Silver's is $1.8M across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $193K of buyer cash on a typical deal.

How risky is Long John Silver's?

Long John Silver's 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 Long John Silver's with an SBA loan?

Yes — Long John Silver's 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 Long John Silver's franchise

Most Long John Silver's 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 Long John Silver's deal financed for $1.8M, which points to about $193K of buyer cash on a typical purchase. Long John Silver's is listed in the SBA Franchise Directory (identifier S1014), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Long John Silver's — 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 Long John Silver's — 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 Long John Silver's — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Long John Silver's 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
$1.8M typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S1014)
Top lenders: First Merchants Bank, Stone 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/long-john-silver-s
API:: https://www.capbench.com/api/public/franchises/long-john-silver-s
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 Long John Silver's?

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

Represent Long John Silver's?

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 Long John Silver's.