Panda Express - License Agreement, 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 S5820)

1 deals since 2020 · typical deal $511K

Deals since 2020

$511K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Panda Express - License Agreement 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 Panda Express - License Agreement

Most Panda Express - License Agreement deals financed between $511K and $511K. Above $511K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$511K

Monthly payment (10-yr): $6,682
Down payment (10%): $57K
Cash to close (all-in): $76K

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 ~$76K)

Experience

Recent financings

IOC Design and Consulting, LLC in Rowland Heights, CA — $511K (2025) · Milestone Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
123 months
SBA guaranteed
$383K (75%)
Approval → funding
39 days
Approved
5/22/2025
First disbursed
6/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
24
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Milestone Bank · Lender record →
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Who funds Panda Express - License Agreement — and where

Every dot is a financed Panda Express - License Agreement — 1 mapped.

Financed Panda Express - License Agreement locations — list all 1 as text

IOC Design and Consulting, LLC — Rowland Heights · $511K · FY2025 · Limited-Service Restaurants

Top lenders for this brand

1.Milestone Bank (1)

Most active states

1.California (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Panda Express - License Agreement 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 Panda Express - License Agreement lending specialist.

Common questions

How much does a Panda Express - License Agreement cost to buy or open?

The typical deal for Panda Express - License Agreement is $511K across 1 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $56K of buyer cash on a typical deal.

How risky is Panda Express - License Agreement?

Panda Express - License Agreement 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 Panda Express - License Agreement with an SBA loan?

Yes — Panda Express - License Agreement has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Panda Express - License Agreement franchise

Most Panda Express - License Agreement 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 Panda Express - License Agreement deal financed for $511K, which points to about $56K of buyer cash on a typical purchase. Panda Express - License Agreement is listed in the SBA Franchise Directory (identifier S5820), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Panda Express - License Agreement — 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 Panda Express - License Agreement — 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 Panda Express - License Agreement — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Panda Express - License Agreement 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
$511K typical deal
1 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S5820)
Top lenders: Milestone 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/panda-express-license-agreement
API:: https://www.capbench.com/api/public/franchises/panda-express-license-agreement
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 Panda Express - License Agreement.