Smashburger, 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 S2888)
5 deals since 2020 · typical deal $313K
5
Deals since 2020
$313K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Smashburger
Most Smashburger deals financed between $303K and $824K. Above $824K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $4,356
- Down payment (10%)
- $35K
- Cash to close (all-in)
- $47K
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 ~$47K)
Experience
Recent financings
- CNC KIRBY VENTURES INC. in Destin, FL — $824K (2024) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $618K (75%)
- Approval → funding
- 18 days
- Approved
- 6/10/2024
- First disbursed
- 6/28/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 13
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Celtic Bank Corporation · Lender record →
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- Run Elevation Inc. in Tucson, AZ — $313K (2023) · purchase · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $235K (75%)
- Approval → funding
- 75 days
- Approved
- 8/17/2023
- First disbursed
- 10/31/2023
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 13
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $348K
- Est. down payment (10%)
- $35K
- Est. cash at closing
- $47K
- Monthly payment
- $4,356
- Annual debt service
- $52K
- Cash flow needed (1.25×)
- $65K
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 First Internet Bank of Indiana · Lender record →
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- Zuvachs, LLC in Lehi, UT — $303K (2021) · purchase · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 79 months
- SBA guaranteed
- $227K (75%)
- Approval → funding
- 33 days
- Approved
- 10/28/2020
- First disbursed
- 11/30/2020
- Loan status
- Failed — $240K charged off (1/27/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $337K
- Est. down payment (10%)
- $34K
- Est. cash at closing
- $45K
- Monthly payment
- $4,655
- Annual debt service
- $56K
- Cash flow needed (1.25×)
- $70K
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 Byline Bank · Lender record →
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- BEBurgers, LLC in Moravian Falls, NC — $855K (2020) · purchase · First Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $641K (75%)
- Approval → funding
- 20 days
- Approved
- 10/11/2019
- First disbursed
- 10/31/2019
- Loan status
- Paid in full (11/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 50
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $950K
- Est. down payment (10%)
- $95K
- Est. cash at closing
- $130K
- Monthly payment
- $12,593
- Annual debt service
- $151K
- Cash flow needed (1.25×)
- $189K
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 First Community Bank · Lender record →
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- Ballantyne Smash LLC in Charlotte, NC — $250K (2020) · First Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 57 months
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 107 days
- Approved
- 11/14/2019
- First disbursed
- 2/29/2020
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 13
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by First Bank · Lender record →
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Who funds Smashburger — and where
Every dot is a financed Smashburger — 5 mapped.
Financed Smashburger locations — list all 5 as text
- CNC KIRBY VENTURES INC. — Destin · $824K · FY2024 · Limited-Service Restaurants
- Zuvachs, LLC — Lehi · $303K · FY2021 · Limited-Service Restaurants
- Run Elevation Inc. — Tucson · $313K · FY2023 · Limited-Service Restaurants
- BEBurgers, LLC — Moravian Falls · $855K · FY2020 · Limited-Service Restaurants
- Ballantyne Smash LLC — Charlotte · $250K · FY2020 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.North Carolina (2 loans)
- 2.Florida (1 loans)
- 3.Utah (1 loans)
- 4.Arizona (1 loans)
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Common questions
How much does a Smashburger cost to buy or open?
The typical deal for Smashburger is $313K across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $34K of buyer cash on a typical deal.
How risky is Smashburger?
Smashburger has 5 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 Smashburger with an SBA loan?
Yes — Smashburger 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 Smashburger franchise
Most Smashburger 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 Smashburger deal financed for $313K, which points to about $34K of buyer cash on a typical purchase. Smashburger is listed in the SBA Franchise Directory (identifier S2888), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Smashburger — 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 Smashburger — 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 Smashburger — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Smashburger is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 5 SBA 7(a) deals since 2020
- $313K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S2888)
- Top lenders: Celtic Bank Corporation, Byline Bank, First Internet Bank of Indiana
- 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 Smashburger.