Mellow Mushroom, 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 S1102)
12 deals since 2020 · typical deal $800K
12
Deals since 2020
$800K
Typical deal
2
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Mellow Mushroom
Most Mellow Mushroom deals financed between $275K and $1.66M. Above $1.66M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $10,462
- Down payment (10%)
- $89K
- Cash to close (all-in)
- $122K
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 ~$122K)
Experience
Recent financings
- Mellow Mushroom Danville, VA in Danville, VA — $2.7M (2026) · HomeTrust Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 306 months
- SBA guaranteed
- $2.0M (75%)
- Approved
- 1/29/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 80
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by HomeTrust Bank · Lender record →
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- Lirich Inc. in Fort Myers, FL — $800K (2026) · Paragon Bank
- Program
- 7a General
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $600K (75%)
- Approved
- 1/16/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 44
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Paragon Bank · Lender record →
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- BCG BROTHERS LLC in Germantown, TN — $150K (2024) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 13.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 9 days
- Approved
- 12/24/2023
- First disbursed
- 1/2/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by BayFirst National Bank · Lender record →
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- Pizza Bakers on Ponce, Inc. in Decatur, GA — $150K (2024) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 14.5% variable
- Term
- 100 months
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 8 days
- Approved
- 12/10/2023
- First disbursed
- 12/18/2023
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by First Bank of the Lake · Lender record →
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- Mo Mellow, LLC in Chesterfield, MO — $2.0M (2022) · Peoples National Bank National Association
- Program
- 7a General
- Rate at approval
- 4.875% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approval → funding
- 14 days
- Approved
- 4/20/2022
- First disbursed
- 5/4/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 40
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Peoples National Bank National Association · Lender record →
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- Casablanca Inc in Atlanta, GA — $275K (2022) · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 123 months
- SBA guaranteed
- $206K (75%)
- Approval → funding
- 27 days
- Approved
- 5/4/2022
- First disbursed
- 5/31/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 29
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by SouthState Bank, National Association · Lender record →
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- Mo Mellow, LLC in Chesterfield, MO — $1.7M (2021) · Busey Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 125 months
- SBA guaranteed
- $1.2M (75%)
- Approved
- 9/15/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 60
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Busey Bank · Lender record →
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- Mellow Eagle LLC in Stockbridge, GA — $550K (2021) · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 123 months
- SBA guaranteed
- $495K (90%)
- Approval → funding
- 10 days
- Approved
- 4/20/2021
- First disbursed
- 4/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 45
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by SouthState Bank, National Association · Lender record →
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- Mellow Mushroom in Atlanta, GA — $350K (2021) · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 123 months
- SBA guaranteed
- $315K (90%)
- Approval → funding
- 12 days
- Approved
- 7/19/2021
- First disbursed
- 7/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 29
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by SouthState Bank, National Association · Lender record →
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- DAPS South, LLC in Wilder, KY — $1.0M (2020) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $783K (75%)
- Approval → funding
- 5 days
- Approved
- 11/25/2019
- First disbursed
- 11/30/2019
- Loan status
- Paid in full (12/31/2021)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 45
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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Who funds Mellow Mushroom — and where
Every dot is a financed Mellow Mushroom — 12 mapped.
Financed Mellow Mushroom locations — list all 12 as text
- Mellow Eagle LLC — Stockbridge · $550K · FY2021 · Full-Service Restaurants
- Lirich Inc. — Fort Myers · $800K · FY2026 · Limited-Service Restaurants
- Mellow Mushroom Danville, VA — Danville · $2.7M · FY2026 · Full-Service Restaurants
- Casablanca Inc — Atlanta · $275K · FY2022 · Full-Service Restaurants
- BCG BROTHERS LLC — Germantown · $150K · FY2024 · Full-Service Restaurants
- Pizza Bakers on Ponce, Inc. — Decatur · $150K · FY2024 · Full-Service Restaurants
- DAPS South, LLC — Wilder · $100K · FY2020 · Full-Service Restaurants
- DAPS South, LLC — Wilder · $1.0M · FY2020 · Full-Service Restaurants
- Georgia Storm Properties LLC — Peachtree City · $865K · FY2020 · Full-Service Restaurants
- Mo Mellow, LLC — Chesterfield · $2.0M · FY2022 · Limited-Service Restaurants
- Mellow Mushroom — Atlanta · $350K · FY2021 · Full-Service Restaurants
- Mo Mellow, LLC — Chesterfield · $1.7M · FY2021 · Full-Service Restaurants
Top lenders for this brand
Most active states
- 1.Georgia (5 loans)
- 2.Kentucky (2 loans)
- 3.Missouri (2 loans)
- 4.Florida (1 loans)
- 5.Virginia (1 loans)
- 6.Tennessee (1 loans)
Represent Mellow Mushroom?
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Common questions
How much does a Mellow Mushroom cost to buy or open?
The typical deal for Mellow Mushroom is $800K across 12 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $88K of buyer cash on a typical deal.
How risky is Mellow Mushroom?
Mellow Mushroom has 12 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 Mellow Mushroom with an SBA loan?
Yes — Mellow Mushroom 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 Mellow Mushroom franchise
Most Mellow Mushroom 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 Mellow Mushroom deal financed for $800K, which points to about $88K of buyer cash on a typical purchase. Mellow Mushroom is listed in the SBA Franchise Directory (identifier S1102), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Mellow Mushroom — 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 Mellow Mushroom — 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 Mellow Mushroom — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Mellow Mushroom is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 12 SBA 7(a) deals since 2020
- $800K typical deal
- 2 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S1102)
- Top lenders: SouthState Bank, National Association, The Huntington National Bank, Paragon 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.
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Represent Mellow Mushroom?
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Mellow Mushroom.