Pho Hoa, 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 S2485)

3 deals since 2020 · typical deal $300K

Deals since 2020

$300K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Pho Hoa has 3 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 Pho Hoa

Most Pho Hoa deals financed between $154K and $350K. Above $350K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$300K

Monthly payment (10-yr): $4,175
Down payment (10%): $33K
Cash to close (all-in): $45K

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 ~$45K)

Experience

Recent financings

H.D. Lime, LLC in Aurora, IL — $154K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
91 months
SBA guaranteed
$115K (75%)
Approval → funding
5 days
Approved
6/30/2022
First disbursed
7/5/2022
Loan status
Failed — $171K charged off (1/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Painting and Wall Covering Contractors
Funded by The Huntington National Bank · Lender record →
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Fuyu Investment LLC in Fort Bliss, TX — $350K (2020) · Stearns Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
124 months
SBA guaranteed
$263K (75%)
Approval → funding
26 days
Approved
11/4/2019
First disbursed
11/30/2019
Loan status
Paid in full (10/31/2021)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
22
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
Minifox Inc. in Henderson, NV — $300K (2020) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
34 days
Approved
2/26/2020
First disbursed
3/31/2020
Loan status
Paid in full (3/31/2023)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Unanswered
Industry
Full-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
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Who funds Pho Hoa — and where

Every dot is a financed Pho Hoa — 3 mapped.

Financed Pho Hoa locations — list all 3 as text

H.D. Lime, LLC — Aurora · $154K · FY2022 · Painting and Wall Covering Contractors
Fuyu Investment LLC — Fort Bliss · $350K · FY2020 · Limited-Service Restaurants
Minifox Inc. — Henderson · $300K · FY2020 · Full-Service Restaurants

Top lenders for this brand

1.The Huntington National Bank(1)
2.Stearns Bank National Association(1)
3.Newtek Small Business Finance, Inc. (1)

Most active states

1.Illinois (1 loans)
2.Texas (1 loans)
3.Nevada (1 loans)

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Insider move

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

Common questions

How much does a Pho Hoa cost to buy or open?

The typical deal for Pho Hoa is $300K across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $33K of buyer cash on a typical deal.

How risky is Pho Hoa?

Pho Hoa has 3 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 Pho Hoa with an SBA loan?

Yes — Pho Hoa 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 Pho Hoa franchise

Most Pho Hoa 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 Pho Hoa deal financed for $300K, which points to about $33K of buyer cash on a typical purchase. Pho Hoa is listed in the SBA Franchise Directory (identifier S2485), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Pho Hoa — 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 Pho Hoa — 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 Pho Hoa — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Pho Hoa is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

3 SBA 7(a) deals since 2020
$300K typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S2485)
Top lenders: The Huntington National Bank, Stearns Bank National Association, Newtek Small Business Finance, Inc.

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/pho-hoa
API:: https://www.capbench.com/api/public/franchises/pho-hoa
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 Pho Hoa.