The Flying Biscuit, 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 S1749)
10 deals since 2020 · typical deal $990K
10
Deals since 2020
$990K
Typical deal
5
Deals since FY2025
—
Too few deals to score risk
What buyers pay for The Flying Biscuit
Most The Flying Biscuit deals financed between $750K and $1.04M. Above $1.04M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $12,946
- Down payment (10%)
- $110K
- Cash to close (all-in)
- $151K
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 ~$151K)
Experience
Recent financings
- CAMZ2 LLC in Knoxville, TN — $1.2M (2026) · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 126 months
- SBA guaranteed
- $867K (75%)
- Approved
- 3/23/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 31
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Pinnacle Bank · Lender record →
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- Nova Terra Enterprises LLC in Kissimmee, FL — $976K (2026) · Colony Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 126 months
- SBA guaranteed
- $732K (75%)
- Approved
- 3/31/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Colony Bank · Lender record →
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- OM GAJANAN LLC in Tallahassee, FL — $1.0M (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 126 months
- SBA guaranteed
- $779K (75%)
- Approval → funding
- 182 days
- Approved
- 6/24/2025
- First disbursed
- 12/23/2025
- 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
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- Harvest Wake, LLC in Wake Forest, NC — $1.0M (2025) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 126 months
- SBA guaranteed
- $754K (75%)
- Approval → funding
- 89 days
- Approved
- 5/21/2025
- First disbursed
- 8/18/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 72
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by Citizens Bank · Lender record →
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- The Flying Biscuit in Mobile, AL — $990K (2025) · United Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 126 months
- SBA guaranteed
- $743K (75%)
- Approval → funding
- 9 days
- Approved
- 2/5/2025
- First disbursed
- 2/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 42
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by United Community Bank · Lender record →
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- FBC Columbus, Inc. in Columbus, GA — $1.1M (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 126 months
- SBA guaranteed
- $814K (75%)
- Approval → funding
- 2 days
- Approved
- 8/30/2023
- First disbursed
- 9/1/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 27
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- YKY Southern Restaurant Group Auburn, LLC in Opelika, AL — $800K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $600K (75%)
- Approval → funding
- 5 days
- Approved
- 6/2/2022
- First disbursed
- 6/7/2022
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 80
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- YKY Southern Restaurant Group, LLC in Birmingham, AL — $750K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $563K (75%)
- Approval → funding
- 4 days
- Approved
- 3/14/2022
- First disbursed
- 3/18/2022
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 18
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- The Flying Biscuit Cafe - Columbia LLC in Columbia, SC — $627K (2022) · Business Development Corporation of South Carolina
- Program
- 7a General
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $470K (75%)
- Approval → funding
- 13 days
- Approved
- 2/15/2022
- First disbursed
- 2/28/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 18
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Business Development Corporation of South Carolina · Lender record →
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- HARVEST BISCUIT L.L.C. in Cary, NC — $703K (2021) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 126 months
- SBA guaranteed
- $633K (90%)
- Approval → funding
- 8 days
- Approved
- 6/22/2021
- First disbursed
- 6/30/2021
- Loan status
- Paid in full (4/30/2024)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 41
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by Citizens Bank · Lender record →
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Who funds The Flying Biscuit — and where
Every dot is a financed The Flying Biscuit — 10 mapped.
Financed The Flying Biscuit locations — list all 10 as text
- OM GAJANAN LLC — Tallahassee · $1.0M · FY2025 · Full-Service Restaurants
- CAMZ2 LLC — Knoxville · $1.2M · FY2026 · Full-Service Restaurants
- Nova Terra Enterprises LLC — Kissimmee · $976K · FY2026 · Full-Service Restaurants
- Harvest Wake, LLC — Wake Forest · $1.0M · FY2025 · Full-Service Restaurants
- YKY Southern Restaurant Group Auburn, LLC — Opelika · $800K · FY2022 · Full-Service Restaurants
- FBC Columbus, Inc. — Columbus · $1.1M · FY2023 · Full-Service Restaurants
- The Flying Biscuit — Mobile · $990K · FY2025 · Full-Service Restaurants
- The Flying Biscuit Cafe - Columbia LLC — Columbia · $627K · FY2022 · Limited-Service Restaurants
- YKY Southern Restaurant Group, LLC — Birmingham · $750K · FY2022 · Full-Service Restaurants
- HARVEST BISCUIT L.L.C. — Cary · $703K · FY2021 · Full-Service Restaurants
Top lenders for this brand
Most active states
- 1.Alabama (3 loans)
- 2.Florida (2 loans)
- 3.North Carolina (2 loans)
- 4.Tennessee (1 loans)
- 5.Georgia (1 loans)
- 6.South Carolina (1 loans)
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Common questions
How much does a The Flying Biscuit cost to buy or open?
The typical deal for The Flying Biscuit is $990K across 10 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $109K of buyer cash on a typical deal.
How risky is The Flying Biscuit?
The Flying Biscuit has 10 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 The Flying Biscuit with an SBA loan?
Yes — The Flying Biscuit has been SBA-financed 5 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a The Flying Biscuit franchise
Most The Flying Biscuit 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 The Flying Biscuit deal financed for $990K, which points to about $109K of buyer cash on a typical purchase. The Flying Biscuit is listed in the SBA Franchise Directory (identifier S1749), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund The Flying Biscuit — 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 The Flying Biscuit — 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 The Flying Biscuit — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. The Flying Biscuit is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 10 SBA 7(a) deals since 2020
- $990K typical deal
- 5 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S1749)
- Top lenders: The Huntington National Bank, Citizens Bank, Pinnacle 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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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with The Flying Biscuit.