Potbelly Sandwich Shop, 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 S1342)
17 deals since 2020 · typical deal $841K
17
Deals since 2020
$841K
Typical deal
15
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Potbelly Sandwich Shop
Most Potbelly Sandwich Shop deals financed between $627K and $994K. Above $994K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $10,998
- Down payment (10%)
- $93K
- Cash to close (all-in)
- $128K
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 ~$128K)
Experience
Recent financings
- PB Delaware LLC in Middletown, DE — $1.0M (2026) · Fulton Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 126 months
- SBA guaranteed
- $761K (75%)
- Approved
- 1/27/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Fulton Bank, National Association · Lender record →
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- PBK HOSPITALITY GROUP INC. in Saint Louis, MO — $994K (2026) · Truliant FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $746K (75%)
- Approved
- 1/2/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Truliant FCU · Lender record →
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- JMC Ventures LLC in Tulsa, OK — $712K (2026) · Blue Sky Bank
- Program
- 7a General
- Rate at approval
- 7.25% variable
- Term
- 126 months
- SBA guaranteed
- $534K (75%)
- Approved
- 3/2/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Blue Sky Bank · Lender record →
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- Potbelly in Charlotte, NC — $1.1M (2025) · HomeTrust Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $836K (75%)
- Approval → funding
- 72 days
- Approved
- 9/30/2025
- First disbursed
- 12/11/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 26
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by HomeTrust Bank · Lender record →
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- KAVIR Georgetown LLC in Round Rock, TX — $1.0M (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $758K (75%)
- Approved
- 8/12/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 19
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- PB Gateway LLC in Orlando, FL — $998K (2025) · Cogent Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 124 months
- SBA guaranteed
- $749K (75%)
- Approval → funding
- 46 days
- Approved
- 9/11/2025
- First disbursed
- 10/27/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Cogent Bank · Lender record →
Your business? Claim this record · Request removal
- Biddy Restaurant Group Inc in Missouri City, TX — $978K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 123 months
- SBA guaranteed
- $734K (75%)
- Approval → funding
- 11 days
- Approved
- 7/31/2025
- First disbursed
- 8/11/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 24
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- KAVIR HUTTO LLC in Hutto, TX — $926K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $695K (75%)
- Approval → funding
- 74 days
- Approved
- 9/8/2025
- First disbursed
- 11/21/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Premier Eats I, LLC in Virginia Beach, VA — $899K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 129 months
- SBA guaranteed
- $674K (75%)
- Approval → funding
- 10 days
- Approved
- 9/1/2025
- First disbursed
- 9/11/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Kavir Village LLC in Austin, TX — $841K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $631K (75%)
- Approval → funding
- 87 days
- Approved
- 9/8/2025
- First disbursed
- 12/4/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
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Who funds Potbelly Sandwich Shop — and where
Every dot is a financed Potbelly Sandwich Shop — 17 mapped.
Financed Potbelly Sandwich Shop locations — list all 17 as text
- Gold & Green Management LLC — Jacksonville · $627K · FY2024 · Limited-Service Restaurants
- GenX Investments LLC — Apex · $700K · FY2025 · Limited-Service Restaurants
- Biddy Restaurant Group Inc — Missouri City · $978K · FY2025 · Limited-Service Restaurants
- KAVIR Georgetown LLC — Round Rock · $1.0M · FY2025 · Limited-Service Restaurants
- KAVIR HUTTO LLC — Hutto · $50K · FY2025 · Limited-Service Restaurants
- Premier Eats I, LLC — Virginia Beach · $25K · FY2025 · Full-Service Restaurants
- Premier Eats I, LLC — Virginia Beach · $899K · FY2025 · Full-Service Restaurants
- Kavir Village LLC — Austin · $50K · FY2025 · Limited-Service Restaurants
- KAVIR HUTTO LLC — Hutto · $926K · FY2025 · Limited-Service Restaurants
- Kavir Village LLC — Austin · $841K · FY2025 · Limited-Service Restaurants
- PB Gateway LLC — Orlando · $998K · FY2025 · Limited-Service Restaurants
- Potbelly — Charlotte · $1.1M · FY2025 · Limited-Service Restaurants
- PBK HOSPITALITY GROUP INC. — Saint Louis · $994K · FY2026 · Limited-Service Restaurants
- PB Delaware LLC — Middletown · $1.0M · FY2026 · Limited-Service Restaurants
- JMC Ventures LLC — Tulsa · $712K · FY2026 · Limited-Service Restaurants
- GenX Undertakings LLC — Raleigh · $567K · FY2025 · Limited-Service Restaurants
- GenX Endeavors LLC — Durham · $638K · FY2020 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.Texas (6 loans)
- 2.North Carolina (4 loans)
- 3.Florida (2 loans)
- 4.Virginia (2 loans)
- 5.Missouri (1 loans)
- 6.Delaware (1 loans)
- 7.Oklahoma (1 loans)
Represent Potbelly Sandwich Shop?
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Common questions
How much does a Potbelly Sandwich Shop cost to buy or open?
The typical deal for Potbelly Sandwich Shop is $841K across 17 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $93K of buyer cash on a typical deal.
How risky is Potbelly Sandwich Shop?
Potbelly Sandwich Shop has 17 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 Potbelly Sandwich Shop with an SBA loan?
Yes — Potbelly Sandwich Shop has been SBA-financed 15 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Potbelly Sandwich Shop franchise
Most Potbelly Sandwich Shop 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 Potbelly Sandwich Shop deal financed for $841K, which points to about $93K of buyer cash on a typical purchase. Potbelly Sandwich Shop is listed in the SBA Franchise Directory (identifier S1342), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Potbelly Sandwich Shop — 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 Potbelly Sandwich Shop — 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 Potbelly Sandwich Shop — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Potbelly Sandwich Shop is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 17 SBA 7(a) deals since 2020
- $841K typical deal
- 15 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S1342)
- Top lenders: The Huntington National Bank, The Fidelity Bank, Citizens 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 Potbelly Sandwich Shop?
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Potbelly Sandwich Shop.