Schlotzsky's, by the numbers
Schlotzsky's appears in 25 SBA 7(a) loans since 2020, with a 0% cohort charge-off (failure) rate — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S1529)
25 deals since 2020 · typical deal $453K · 0% failure rate
25
Deals since 2020
$453K
Typical deal
3
Deals since FY2025
0%
Failure rate (FY20–23)
What buyers pay for Schlotzsky's
Most Schlotzsky's deals financed between $273K and $1.26M. Above $1.26M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $5,923
- Down payment (10%)
- $50K
- Cash to close (all-in)
- $67K
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 ~$67K)
Experience
Recent financings
- Sterling Block Restaurant Group LLC in Wichita Falls, TX — $892K (2026) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $669K (75%)
- Approved
- 12/17/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $991K
- Est. down payment (10%)
- $99K
- Est. cash at closing
- $136K
- Monthly payment
- $11,419
- Annual debt service
- $137K
- Cash flow needed (1.25×)
- $171K
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 The Huntington National Bank · Lender record →
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- Sterling Block Restaurant Group LLC in Wichita Falls, TX — $150K (2026) · purchase · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approved
- 12/17/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $1,920
- Annual debt service
- $23K
- Cash flow needed (1.25×)
- $29K
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 The Huntington National Bank · Lender record →
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- Calclo LLC in Artesia, NM — $160K (2025) · Western Commerce Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 122 months
- SBA guaranteed
- $120K (75%)
- Approval → funding
- 17 days
- Approved
- 10/11/2024
- First disbursed
- 10/28/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 29
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by Western Commerce Bank · Lender record →
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- Vega North Enterprises LLC in San Antonio, TX — $4.0M (2024) · purchase · Gulf Coast Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $3.0M (75%)
- Approval → funding
- 21 days
- Approved
- 4/22/2024
- First disbursed
- 5/13/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 144
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $4.4M
- Est. down payment (10%)
- $444K
- Est. cash at closing
- $614K
- Monthly payment
- $54,467
- Annual debt service
- $654K
- Cash flow needed (1.25×)
- $817K
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 Gulf Coast Bank and Trust Company · Lender record →
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- Vedasrikanth LLC in Naperville, IL — $2.3M (2024) · CenTrust Bank, A Division of SmartBiz Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.8M (75%)
- Approval → funding
- 11 days
- Approved
- 6/29/2024
- First disbursed
- 7/10/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by CenTrust Bank, A Division of SmartBiz Bank National Association · Lender record →
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- Kanthi Restaurant Group LLC in Yukon, OK — $1.5M (2024) · purchase · BancFirst
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 16 days
- Approved
- 8/27/2024
- First disbursed
- 9/12/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 19
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.6M
- Est. down payment (10%)
- $164K
- Est. cash at closing
- $226K
- Monthly payment
- $19,138
- Annual debt service
- $230K
- Cash flow needed (1.25×)
- $287K
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 BancFirst · Lender record →
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- Schlotzsky's and Cinnabon in Mesa, AZ — $729K (2024) · U.S. Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.7% variable
- Term
- 126 months
- SBA guaranteed
- $547K (75%)
- Approval → funding
- 231 days
- Approved
- 5/10/2024
- First disbursed
- 12/27/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
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- Sandia Restaurants LLC in Santa Fe, NM — $3.2M (2023) · Midwest BankCentre
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.4M (75%)
- Approval → funding
- 48 days
- Approved
- 6/28/2023
- First disbursed
- 8/15/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 60
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Midwest BankCentre · Lender record →
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- Schlotzsky's 1347 in Spring, TX — $370K (2023) · purchase · Metro City Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 72 mo (6 yrs)
- SBA guaranteed
- $278K (75%)
- Approval → funding
- 8 days
- Approved
- 3/9/2023
- First disbursed
- 3/17/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 11
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $411K
- Est. down payment (10%)
- $41K
- Est. cash at closing
- $55K
- Monthly payment
- $6,762
- Annual debt service
- $81K
- Cash flow needed (1.25×)
- $101K
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 Metro City Bank · Lender record →
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- DDK Deli's LLC in San Antonio, TX — $150K (2023) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 13.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 2 days
- Approved
- 8/28/2023
- First disbursed
- 8/30/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by BayFirst National Bank · Lender record →
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Who funds Schlotzsky's — and where
Every dot is a financed Schlotzsky's — 25 mapped.
Financed Schlotzsky's locations — list all 25 as text
- NORTHERN HOSPITALITY GROUP, LLC — Fargo · $453K · FY2021 · Limited-Service Restaurants
- Jay Shri Krishna LLC — Dothan · $580K · FY2021 · Limited-Service Restaurants
- J Knox LLC — Cayce · $239K · FY2021 · Limited-Service Restaurants
- J Bush River LLC — Columbia · $239K · FY2021 · Limited-Service Restaurants
- Schlotzsky's 1347 — Spring · $370K · FY2023 · Limited-Service Restaurants
- Schlotzsky's and Cinnabon — Mesa · $729K · FY2024 · Limited-Service Restaurants
- Vedasrikanth LLC — Naperville · $2.3M · FY2024 · Limited-Service Restaurants
- Sterling Block Restaurant Group LLC — Wichita Falls · $150K · FY2026 · Limited-Service Restaurants
- Sterling Block Restaurant Group LLC — Wichita Falls · $892K · FY2026 · Limited-Service Restaurants
- KUBA FOODS LLC — Little Elm · $273K · FY2022 · Limited-Service Restaurants
- Vega North Enterprises LLC — San Antonio · $4.0M · FY2024 · Limited-Service Restaurants
- Kanthi Restaurant Group LLC — Yukon · $1.5M · FY2024 · Limited-Service Restaurants
- Calclo LLC — Artesia · $160K · FY2025 · Full-Service Restaurants
- DDK Deli's LLC — San Antonio · $150K · FY2023 · Full-Service Restaurants
- Sandia Restaurants LLC — Santa Fe · $3.2M · FY2023 · Full-Service Restaurants
- SKS Partners III LLC — Oklahoma City · $350K · FY2020 · Limited-Service Restaurants
- Lotz of Bunz, LLC — Wichita · $485K · FY2020 · Limited-Service Restaurants
- Lotz of Bunz, LLC — Wichita · $125K · FY2020 · Limited-Service Restaurants
- Rubicon Ventures 1, LLC — Anderson · $345K · FY2022 · Limited-Service Restaurants
- Vedasrikanth LLC — Naperville · $2.4M · FY2021 · Limited-Service Restaurants
- Bluebird Acquisitions LLC — Granbury · $2.2M · FY2021 · Limited-Service Restaurants
- SKS Partners IV LLC — Mustang · $1.3M · FY2021 · Limited-Service Restaurants
- Matzke Deli - Green Bay, LLC — Green Bay · $765K · FY2021 · Limited-Service Restaurants
- Rubicon Ventures 1, LLC — Anderson · $345K · FY2021 · Limited-Service Restaurants
- Rubicon Ventures 1, LLC — Anderson · $345K · FY2021 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.Texas (7 loans)Schlotzsky's lenders in Texas->
- 2.South Carolina (5 loans)Schlotzsky's lenders in South Carolina->
- 3.Oklahoma (3 loans)Schlotzsky's lenders in Oklahoma->
- 4.Illinois (2 loans)Schlotzsky's lenders in Illinois->
- 5.New Mexico (2 loans)Schlotzsky's lenders in New Mexico->
- 6.Kansas (2 loans)Schlotzsky's lenders in Kansas->
- 7.North Dakota (1 loans)Schlotzsky's lenders in North Dakota->
- 8.Alabama (1 loans)Schlotzsky's lenders in Alabama->
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Common questions
How much does a Schlotzsky's cost to buy or open?
The typical deal for Schlotzsky's is $453K across 25 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $50K of buyer cash on a typical deal.
How risky is Schlotzsky's?
0% of Schlotzsky's's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.
Can I finance a Schlotzsky's with an SBA loan?
Yes — Schlotzsky's 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 Schlotzsky's franchise
Most Schlotzsky's 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 Schlotzsky's deal financed for $453K, which points to about $50K of buyer cash on a typical purchase. Schlotzsky's is listed in the SBA Franchise Directory (identifier S1529), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Schlotzsky's — 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 Schlotzsky's — 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 Schlotzsky's — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Schlotzsky's is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 25 SBA 7(a) deals since 2020
- $453K typical deal
- 3 deals since FY2025
- 0% failure rate (FY20–23 cohort)
- SBA Franchise Directory: listed (identifier S1529)
- Top lenders: The Huntington National Bank, BancFirst, Live Oak Banking Company
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-27.
- 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 Schlotzsky's?
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Schlotzsky's.