Perkins Restaurant & Bakery, 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 S1287)

4 deals since 2020 · typical deal $1.4M

Deals since 2020

$1.4M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Perkins Restaurant & Bakery has 4 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 Perkins Restaurant & Bakery

Most Perkins Restaurant & Bakery deals financed between $1.32M and $2.57M. Above $2.57M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$1.39M

Monthly payment (10-yr): $18,120
Down payment (10%): $154K
Cash to close (all-in): $211K

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 ~$211K)

Experience

Recent financings

Cook Hospitality Group LLC in Poplar Bluff, MO — $1.3M (2026) · Peoples Community Bank
Program
7a General
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$990K (75%)
Approved
3/16/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
81
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Peoples Community Bank · Lender record →
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Perky Palace LLC in Great Bend, KS — $2.6M (2025) · purchase · Merchants Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.9M (75%)
Approved
9/24/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
100
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$2.9M
Est. down payment (10%)
$285K
Est. cash at closing
$393K
Monthly payment
$21,540
Annual debt service
$258K
Cash flow needed (1.25×)
$323K
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 Merchants Bank of Indiana · Lender record →
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Topeka Hospitality, L.C. in Topeka, KS — $1.4M (2025) · purchase · Heritage Bank
Program
7a General
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
72 days
Approved
5/13/2025
First disbursed
7/24/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
112
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$154K
Est. cash at closing
$211K
Monthly payment
$17,365
Annual debt service
$208K
Cash flow needed (1.25×)
$260K
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 Heritage Bank · Lender record →
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WMW RC Holdings LLC in Winter Park, FL — $859K (2020) · purchase · Port 51 Lending LLC
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$644K (75%)
Approval → funding
35 days
Approved
6/26/2020
First disbursed
7/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
38
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$954K
Est. down payment (10%)
$95K
Est. cash at closing
$131K
Monthly payment
$9,537
Annual debt service
$114K
Cash flow needed (1.25×)
$143K
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 Port 51 Lending LLC · Lender record →
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Who funds Perkins Restaurant & Bakery — and where

Every dot is a financed Perkins Restaurant & Bakery — 4 mapped.

Financed Perkins Restaurant & Bakery locations — list all 4 as text

Perky Palace LLC — Great Bend · $2.6M · FY2025 · Full-Service Restaurants
Cook Hospitality Group LLC — Poplar Bluff · $1.3M · FY2026 · Full-Service Restaurants
Topeka Hospitality, L.C. — Topeka · $1.4M · FY2025 · Full-Service Restaurants
WMW RC Holdings LLC — Winter Park · $859K · FY2020 · Full-Service Restaurants

Top lenders for this brand

Most active states

1.Kansas (2 loans)
2.Missouri (1 loans)
3.Florida (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Perkins Restaurant & Bakery 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 Perkins Restaurant & Bakery lending specialist.

Common questions

How much does a Perkins Restaurant & Bakery cost to buy or open?

The typical deal for Perkins Restaurant & Bakery is $1.4M across 4 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $152K of buyer cash on a typical deal.

How risky is Perkins Restaurant & Bakery?

Perkins Restaurant & Bakery has 4 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 Perkins Restaurant & Bakery with an SBA loan?

Yes — Perkins Restaurant & Bakery has been SBA-financed 3 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Perkins Restaurant & Bakery franchise

Most Perkins Restaurant & Bakery 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 Perkins Restaurant & Bakery deal financed for $1.4M, which points to about $152K of buyer cash on a typical purchase. Perkins Restaurant & Bakery is listed in the SBA Franchise Directory (identifier S1287), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Perkins Restaurant & Bakery — 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 Perkins Restaurant & Bakery — 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 Perkins Restaurant & Bakery — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Perkins Restaurant & Bakery is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

4 SBA 7(a) deals since 2020
$1.4M typical deal
3 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S1287)
Top lenders: Merchants Bank of Indiana, Peoples Community Bank, Heritage Bank

Next steps

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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/perkins-restaurant-bakery
API:: https://www.capbench.com/api/public/franchises/perkins-restaurant-bakery
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 Perkins Restaurant & Bakery.