Toppers Pizza, 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 S1807)
13 deals since 2020 · typical deal $488K
13
Deals since 2020
$488K
Typical deal
3
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Toppers Pizza
Most Toppers Pizza deals financed between $380K and $859K. Above $859K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $6,382
- Down payment (10%)
- $54K
- Cash to close (all-in)
- $73K
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 ~$73K)
Experience
Recent financings
- TP Waukesha East LLC in Waukesha, WI — $488K (2025) · VelocitySBA, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $366K (75%)
- Approval → funding
- 27 days
- Approved
- 10/29/2024
- First disbursed
- 11/25/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by VelocitySBA, LLC · Lender record →
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- Perfect 10 Manhattan LLC in Manhattan, KS — $480K (2025) · First Citizens State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $360K (75%)
- Approval → funding
- 21 days
- Approved
- 1/10/2025
- First disbursed
- 1/31/2025
- Loan status
- Payments deferred
- 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 First Citizens State Bank · Lender record →
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- Alliance Premium Kitchens, LLC in Madison, WI — $250K (2025) · purchase · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 12% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 2 days
- Approved
- 7/1/2025
- First disbursed
- 7/3/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $278K
- Est. down payment (10%)
- $28K
- Est. cash at closing
- $37K
- Monthly payment
- $3,587
- Annual debt service
- $43K
- Cash flow needed (1.25×)
- $54K
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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- Smooth Money of Iowa, LLC in De Pere, WI — $1.4M (2024) · First Citizens State Bank
- Program
- 7a General
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approved
- 5/16/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 65
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by First Citizens State Bank · Lender record →
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- The Dough Group LLC in Lakeville, MN — $859K (2024) · purchase · Frandsen Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $644K (75%)
- Approval → funding
- 4 days
- Approved
- 8/8/2024
- First disbursed
- 8/12/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 74
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $954K
- Est. down payment (10%)
- $95K
- Est. cash at closing
- $131K
- Monthly payment
- $11,115
- Annual debt service
- $133K
- Cash flow needed (1.25×)
- $167K
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 Frandsen Bank and Trust · Lender record →
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- Pizza QSA LLC in Concord, NC — $715K (2024) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 126 months
- SBA guaranteed
- $536K (75%)
- Approval → funding
- 15 days
- Approved
- 8/21/2024
- First disbursed
- 9/5/2024
- 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
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Byline Bank · Lender record →
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- Hot Oven Pizzeria LLC in Watertown, WI — $600K (2024) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 126 months
- SBA guaranteed
- $450K (75%)
- Approval → funding
- 26 days
- Approved
- 11/10/2023
- First disbursed
- 12/6/2023
- Loan status
- Past due
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 17
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Byline Bank · Lender record →
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- Al-Numan Pizza LLC in Gurnee, IL — $483K (2022) · LendingClub Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 126 months
- SBA guaranteed
- $362K (75%)
- Approval → funding
- 31 days
- Approved
- 4/1/2022
- First disbursed
- 5/2/2022
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 35
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by LendingClub Bank, National Association · Lender record →
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- Renegade Pizza LLC in Topeka, KS — $380K (2022) · First Citizens State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 83 months
- SBA guaranteed
- $285K (75%)
- Approval → funding
- 22 days
- Approved
- 3/14/2022
- First disbursed
- 4/5/2022
- Loan status
- Payments deferred
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by First Citizens State Bank · Lender record →
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- Perfect 10 LLC in Cambridge, WI — $336K (2022) · purchase · First Citizens State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $252K (75%)
- Approval → funding
- 14 days
- Approved
- 8/1/2022
- First disbursed
- 8/15/2022
- Loan status
- Payments deferred
- 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
- $373K
- Est. down payment (10%)
- $37K
- Est. cash at closing
- $50K
- Monthly payment
- $3,815
- Annual debt service
- $46K
- Cash flow needed (1.25×)
- $57K
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 Citizens State Bank · Lender record →
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Who funds Toppers Pizza — and where
Every dot is a financed Toppers Pizza — 13 mapped.
Financed Toppers Pizza locations — list all 13 as text
- Smooth Money of Iowa, LLC — De Pere · $1.4M · FY2024 · Limited-Service Restaurants
- The Dough Group LLC — Lakeville · $859K · FY2024 · Limited-Service Restaurants
- Alliance Premium Kitchens, LLC — Madison · $250K · FY2025 · Full-Service Restaurants
- Legends 3Sixty Pizza LLC — Owatonna · $1.2M · FY2021 · Full-Service Restaurants
- Perfect 10 LLC — Cambridge · $336K · FY2022 · Limited-Service Restaurants
- Pizza QSA LLC — Concord · $715K · FY2024 · Limited-Service Restaurants
- TP Waukesha East LLC — Waukesha · $488K · FY2025 · Full-Service Restaurants
- Hot Oven Pizzeria LLC — Watertown · $600K · FY2024 · Limited-Service Restaurants
- Perfect 10 Manhattan LLC — Manhattan · $480K · FY2025 · Limited-Service Restaurants
- Renegade Pizza LLC — Topeka · $380K · FY2022 · Limited-Service Restaurants
- Al-Numan Pizza LLC — Gurnee · $483K · FY2022 · Limited-Service Restaurants
- Pizza People, Inc. — Whitewater · $290K · FY2021 · Full-Service Restaurants
- Pizza People, Inc. — Waukesha · $1.5M · FY2021 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.Wisconsin (7 loans)
- 2.Minnesota (2 loans)
- 3.Kansas (2 loans)
- 4.North Carolina (1 loans)
- 5.Illinois (1 loans)
Represent Toppers Pizza?
Claim this brand page free to keep the numbers in context, add your story, and hear about qualified buyers early.
Common questions
How much does a Toppers Pizza cost to buy or open?
The typical deal for Toppers Pizza is $488K across 13 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $54K of buyer cash on a typical deal.
How risky is Toppers Pizza?
Toppers Pizza has 13 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 Toppers Pizza with an SBA loan?
Yes — Toppers Pizza 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 Toppers Pizza franchise
Most Toppers Pizza 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 Toppers Pizza deal financed for $488K, which points to about $54K of buyer cash on a typical purchase. Toppers Pizza is listed in the SBA Franchise Directory (identifier S1807), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Toppers Pizza — 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 Toppers Pizza — 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 Toppers Pizza — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Toppers Pizza is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 13 SBA 7(a) deals since 2020
- $488K typical deal
- 3 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S1807)
- Top lenders: First Citizens State Bank, Byline Bank, Frandsen Bank and Trust
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-18.
- 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 Toppers Pizza?
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Toppers Pizza.