Turning Point, 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 S7162)
4 deals since 2020 · typical deal $700K
4
Deals since 2020
$700K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Turning Point
Most Turning Point deals financed between $700K and $1.02M. Above $1.02M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $9,154
- Down payment (10%)
- $78K
- Cash to close (all-in)
- $104K
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 ~$104K)
Experience
Recent financings
- TP Camp Hill, Inc. in Camp Hill, PA — $1.0M (2024) · Manufacturers and Traders Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 129 months
- SBA guaranteed
- $763K (75%)
- Approval → funding
- 132 days
- Approved
- 7/11/2024
- First disbursed
- 11/20/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 40
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Manufacturers and Traders Trust Company · Lender record →
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- ZJR Management Company, LLC in Lancaster, PA — $700K (2024) · Mid Penn Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $525K (75%)
- Approved
- 2/14/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 35
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Mid Penn Bank · Lender record →
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- ZJR Management Company, LLC in Lancaster, PA — $700K (2024) · Mid Penn Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $525K (75%)
- Approval → funding
- 81 days
- Approved
- 2/29/2024
- First disbursed
- 5/20/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 35
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Mid Penn Bank · Lender record →
Your business? Claim this record · Request removal
- TP Camp Hill, Inc. in Camp Hill, PA — $100K (2024) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 232 days
- Approved
- 7/11/2024
- First disbursed
- 2/28/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 40
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Manufacturers and Traders Trust Company · Lender record →
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Who funds Turning Point — and where
Every dot is a financed Turning Point — 4 mapped.
Financed Turning Point locations — list all 4 as text
- TP Camp Hill, Inc. — Camp Hill · $1.0M · FY2024 · Full-Service Restaurants
- TP Camp Hill, Inc. — Camp Hill · $100K · FY2024 · Full-Service Restaurants
- ZJR Management Company, LLC — Lancaster · $700K · FY2024 · Limited-Service Restaurants
- ZJR Management Company, LLC — Lancaster · $700K · FY2024 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.Pennsylvania (4 loans)
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Common questions
How much does a Turning Point cost to buy or open?
The typical deal for Turning Point is $700K across 4 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $77K of buyer cash on a typical deal.
How risky is Turning Point?
Turning Point has 4 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 Turning Point with an SBA loan?
Yes — Turning Point 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 Turning Point franchise
Most Turning Point 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 Turning Point deal financed for $700K, which points to about $77K of buyer cash on a typical purchase. Turning Point is listed in the SBA Franchise Directory (identifier S7162), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Turning Point — 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 Turning Point — 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 Turning Point — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Turning Point is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 4 SBA 7(a) deals since 2020
- $700K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S7162)
- Top lenders: Manufacturers and Traders Trust Company, Mid Penn 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 Turning Point.