Whataburger, 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 S5230)

1 deals since 2020 · typical deal $657K

Deals since 2020

$657K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Whataburger has 1 SBA deal 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 Whataburger

Most Whataburger deals financed between $657K and $657K. Above $657K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$657K

Monthly payment (10-yr): $8,586
Down payment (10%): $73K
Cash to close (all-in): $98K

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 ~$98K)

Experience

Recent financings

Shree Makhan Mishri LLC in Rincon, GA — $657K (2025) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
126 months
SBA guaranteed
$492K (75%)
Approved
8/20/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
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Who funds Whataburger — and where

Every dot is a financed Whataburger — 1 mapped.

Financed Whataburger locations — list all 1 as text

Shree Makhan Mishri LLC — Rincon · $657K · FY2025 · Limited-Service Restaurants

Top lenders for this brand

1.Citizens Bank(1)

Most active states

1.Georgia (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Whataburger 1 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Whataburger lending specialist.

Common questions

How much does a Whataburger cost to buy or open?

The typical deal for Whataburger is $657K across 1 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $72K of buyer cash on a typical deal.

How risky is Whataburger?

Whataburger has 1 SBA loan 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 Whataburger with an SBA loan?

Yes — Whataburger 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 Whataburger franchise

Most Whataburger 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 Whataburger deal financed for $657K, which points to about $72K of buyer cash on a typical purchase. Whataburger is listed in the SBA Franchise Directory (identifier S5230), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Whataburger — 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 Whataburger — 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 Whataburger — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Whataburger is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

1 SBA 7(a) deal since 2020
$657K typical deal
1 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S5230)
Top lenders: Citizens Bank

Next steps

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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.
Canonical:: https://www.capbench.com/franchises/whataburger
API:: https://www.capbench.com/api/public/franchises/whataburger
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 Whataburger.