Steak n Shake By Biglari, by the numbers
Steak n Shake By Biglari appears in 8 SBA 7(a) loans since 2020 — 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 S1623)
8 deals since 2020 · typical deal $756K
8
Deals since 2020
$756K
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Steak n Shake By Biglari
Most Steak n Shake By Biglari deals financed between $396K and $2.00M. Above $2.00M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $9,886
- Down payment (10%)
- $84K
- Cash to close (all-in)
- $115K
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 ~$115K)
Experience
Recent financings
- BREEZEBAY INTERNATIONAL LLC in Morgantown, WV — $200K (2025) · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (75%)
- Approved
- 5/29/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 52
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Stearns Bank National Association · Lender record →
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- BRIAN EDWARD WEBB LLC in Lithonia, GA — $225K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $169K (75%)
- Approval → funding
- 7 days
- Approved
- 6/15/2023
- First disbursed
- 6/22/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 45
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- HEERA LLC in Morgantown, WV — $2.5M (2022) · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 188 months
- SBA guaranteed
- $1.9M (75%)
- Approval → funding
- 29 days
- Approved
- 7/6/2022
- First disbursed
- 8/4/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 40
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Stearns Bank National Association · Lender record →
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- Jubilee Vision LLC in Union City, GA — $1.7M (2021) · HomeTrust Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.6M (90%)
- Approval → funding
- 12 days
- Approved
- 7/19/2021
- First disbursed
- 7/31/2021
- Loan status
- Paid in full (3/31/2025)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 28
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by HomeTrust Bank · Lender record →
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- Northern Nevada SNS, LLC in Reno, NV — $646K (2021) · purchase · Plumas Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 103 months
- SBA guaranteed
- $581K (90%)
- Approval → funding
- 35 days
- Approved
- 8/25/2021
- First disbursed
- 9/29/2021
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 45
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $718K
- Est. down payment (10%)
- $72K
- Est. cash at closing
- $96K
- Monthly payment
- $7,804
- Annual debt service
- $94K
- Cash flow needed (1.25×)
- $117K
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 Plumas Bank · Lender record →
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- GOLDMYN, LLC in Salinas, CA — $2.0M (2020) · Summit State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 308 months
- SBA guaranteed
- $1.5M (75%)
- Approved
- 4/15/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Summit State Bank · Lender record →
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- UK Brar, LLC in Lancaster, CA — $756K (2020) · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $567K (75%)
- Approved
- 3/10/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 80
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Bancorp Bank National Association · Lender record →
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- DTK - Clinton, LLC in Clinton, MS — $396K (2020) · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $297K (75%)
- Approved
- 3/10/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Bancorp Bank National Association · Lender record →
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Who funds Steak n Shake By Biglari — and where
Every dot is a financed Steak n Shake By Biglari — 8 mapped.
Financed Steak n Shake By Biglari locations — list all 8 as text
- BREEZEBAY INTERNATIONAL LLC — Morgantown · $200K · FY2025 · Limited-Service Restaurants
- HEERA LLC — Morgantown · $2.5M · FY2022 · Limited-Service Restaurants
- BRIAN EDWARD WEBB LLC — Lithonia · $225K · FY2023 · Full-Service Restaurants
- DTK - Clinton, LLC — Clinton · $396K · FY2020 · Limited-Service Restaurants
- UK Brar, LLC — Lancaster · $756K · FY2020 · Limited-Service Restaurants
- GOLDMYN, LLC — Salinas · $2.0M · FY2020 · Limited-Service Restaurants
- Jubilee Vision LLC — Union City · $1.7M · FY2021 · Full-Service Restaurants
- Northern Nevada SNS, LLC — Reno · $646K · FY2021 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.West Virginia (2 loans)Steak n Shake By Biglari lenders in West Virginia->
- 2.Georgia (2 loans)Steak n Shake By Biglari lenders in Georgia->
- 3.California (2 loans)Steak n Shake By Biglari lenders in California->
- 4.Mississippi (1 loans)Steak n Shake By Biglari lenders in Mississippi->
- 5.Nevada (1 loans)Steak n Shake By Biglari lenders in Nevada->
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Common questions
How much does a Steak n Shake By Biglari cost to buy or open?
The typical deal for Steak n Shake By Biglari is $756K across 8 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $83K of buyer cash on a typical deal.
How risky is Steak n Shake By Biglari?
Steak n Shake By Biglari has 8 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 Steak n Shake By Biglari with an SBA loan?
Yes — Steak n Shake By Biglari has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Steak n Shake By Biglari franchise
Most Steak n Shake By Biglari 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 Steak n Shake By Biglari deal financed for $756K, which points to about $83K of buyer cash on a typical purchase. Steak n Shake By Biglari is listed in the SBA Franchise Directory (identifier S1623), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Steak n Shake By Biglari — 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 Steak n Shake By Biglari — 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 Steak n Shake By Biglari — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Steak n Shake By Biglari is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 8 SBA 7(a) deals since 2020
- $756K typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S1623)
- Top lenders: Stearns Bank National Association, The Bancorp Bank National Association, The Huntington National Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-22.
- 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 Steak n Shake By Biglari.