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Wendy's, by the numbers

Wendy's appears in 20 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 S1914)

20 deals since 2020 · typical deal $942K

20

Deals since 2020

$942K

Typical deal

7

Deals since FY2025

—

Too few deals to score risk

Wendy's has 20 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Wendy's

Most Wendy's deals financed between $525K and $1.57M. Above $1.57M, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$12,319
Down payment (10%)
$105K
Cash to close (all-in)
$144K

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 ~$144K)

Experience

Recent financings

  • White Lake Group LLC in Fenton, MI — $605K (2026) · The Huntington National Bank
  • White Lake Group LLC in Fenton, MI — $50K (2026) · The Huntington National Bank
  • DJLD Restaurant Group Inc in Myrtle Beach, SC — $2.6M (2025) · Pathward National Association
  • Limitless Restaurant Group Inc in Ridgecrest, CA — $682K (2025) · The Huntington National Bank
  • Four 8888 Systems Inc. in Arcade, NY — $525K (2025) · Manufacturers and Traders Trust Company
  • ROSEWOOD CAPITAL LLC in New Castle, DE — $500K (2025) · Live Oak Banking Company
  • Limitless Restaurant Group Inc in Ridgecrest, CA — $50K (2025) · The Huntington National Bank
  • DEPENDABLE FOODS INC in Wasco, CA — $1.1M (2024) · Mission Bank
  • RAY AN ENTERPRISES II, LLC in Phoenix, AZ — $942K (2024) · First Business Bank
  • RIISE Hospitality Group, LLC in Weed, CA — $673K (2024) · TD Bank, National Association

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Wendy's brand mark

Who funds Wendy's — and where

Every dot is a financed Wendy's — 20 mapped.

Financed Wendy's locations — list all 20 as text

Top lenders for this brand

  1. 1.Byline Bank(6)
  2. 2.The Huntington National Bank(4)
  3. 3.Mission Valley Bank(3)
  4. 4.TD Bank, National Association(2)
  5. 5.Manufacturers and Traders Trust Company(1)

Most active states

  1. 1.California (8 loans)Wendy's lenders in California->
  2. 2.New York (7 loans)Wendy's lenders in New York->
  3. 3.Michigan (2 loans)Wendy's lenders in Michigan->
  4. 4.South Carolina (1 loans)Wendy's lenders in South Carolina->
  5. 5.Delaware (1 loans)Wendy's lenders in Delaware->
  6. 6.Arizona (1 loans)Wendy's lenders in Arizona->

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Common questions

How much does a Wendy's cost to buy or open?

The typical deal for Wendy's is $942K across 20 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $104K of buyer cash on a typical deal.

How risky is Wendy's?

Wendy's has 20 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 Wendy's with an SBA loan?

Yes — Wendy's has been SBA-financed 7 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Wendy's franchise

Most Wendy's 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 Wendy's deal financed for $942K, which points to about $104K of buyer cash on a typical purchase. Wendy's is listed in the SBA Franchise Directory (identifier S1914), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Wendy's — 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 Wendy's — 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 Wendy's — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Wendy's is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 20 SBA 7(a) deals since 2020
  • $942K typical deal
  • 7 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S1914)
  • Top lenders: Byline Bank, The Huntington National Bank, Mission Valley Bank

Next steps

Check SBA fitFind SBA lenders$9 lender report
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-24.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/wendy-s
API:
https://www.capbench.com/api/public/franchises/wendy-s
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 Wendy's.

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