Ruth's Chris Steak House, 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 S3579)
3 deals since 2020 · typical deal $2.4M
3
Deals since 2020
$2.4M
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Ruth's Chris Steak House
Most Ruth's Chris Steak House deals financed between $500K and $2.42M. Above $2.42M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $31,712
- Down payment (10%)
- $269K
- Cash to close (all-in)
- $372K
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 ~$372K)
Experience
Recent financings
- Lou Wil II, L.L.C. in Wilmington, NC — $2.4M (2021) · IncredibleBank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.2M (90%)
- Approved
- 5/3/2021
- Loan status
- Cancelled
- 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 IncredibleBank · Lender record →
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- Lou Wil II, L.L.C. in West Friendship, NC — $2.4M (2021) · IncredibleBank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $509K (21%)
- Approval → funding
- 38 days
- Approved
- 5/25/2021
- First disbursed
- 7/2/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 83
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by IncredibleBank · Lender record →
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- BIG STEAKS MANAGEMENT, LLC. in Pikesville, MD — $500K (2020) · IncredibleBank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 24 days
- Approved
- 4/6/2020
- First disbursed
- 4/30/2020
- Loan status
- Paid in full (2/28/2023)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 36
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by IncredibleBank · Lender record →
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Who funds Ruth's Chris Steak House — and where
Every dot is a financed Ruth's Chris Steak House — 3 mapped.
Financed Ruth's Chris Steak House locations — list all 3 as text
- Lou Wil II, L.L.C. — Wilmington · $2.4M · FY2021 · Full-Service Restaurants
- Lou Wil II, L.L.C. — West Friendship · $2.4M · FY2021 · Full-Service Restaurants
- BIG STEAKS MANAGEMENT, LLC. — Pikesville · $500K · FY2020 · Full-Service Restaurants
Top lenders for this brand
Most active states
- 1.North Carolina (2 loans)
- 2.Maryland (1 loans)
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Common questions
How much does a Ruth's Chris Steak House cost to buy or open?
The typical deal for Ruth's Chris Steak House is $2.4M across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $267K of buyer cash on a typical deal.
How risky is Ruth's Chris Steak House?
Ruth's Chris Steak House 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 Ruth's Chris Steak House with an SBA loan?
Yes — Ruth's Chris Steak House 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 Ruth's Chris Steak House franchise
Most Ruth's Chris Steak House 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 Ruth's Chris Steak House deal financed for $2.4M, which points to about $267K of buyer cash on a typical purchase. Ruth's Chris Steak House is listed in the SBA Franchise Directory (identifier S3579), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Ruth's Chris Steak House — 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 Ruth's Chris Steak House — 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 Ruth's Chris Steak House — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Ruth's Chris Steak House 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
- $2.4M typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S3579)
- Top lenders: IncredibleBank
- 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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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Ruth's Chris Steak House.