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Wingstop, by the numbers

Wingstop appears in 43 SBA 7(a) loans since 2020, with a 0% cohort charge-off (failure) rate — 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 S1937)

43 deals since 2020 · typical deal $540K · 0% failure rate

43

Deals since 2020

$540K

Typical deal

5

Deals since FY2025

0%

Failure rate (FY20–23)

Wingstop buyers almost always make it — a 0% failure rate puts it among the safest franchise bets on record.

What buyers pay for Wingstop

Most Wingstop deals financed between $453K and $670K. Above $670K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$7,062
Down payment (10%)
$60K
Cash to close (all-in)
$80K

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 ~$80K)

Experience

Recent financings

  • Branker Foods 7 LLC in Aiken, SC — $500K (2026) · Live Oak Banking Company
  • PARADISE WINGS ENTERPRISE in San Diego, CA — $50K (2026) · East West Bank
  • MJ 23 Wings Brookings LLC in Brookings, SD — $730K (2025) · The First National Bank in Sioux Falls
  • MJ 23 WINGS 57TH LLC in Sioux Falls, SD — $678K (2025) · The First National Bank in Sioux Falls
  • WINGSTOP in North Augusta, SC — $500K (2025) · Live Oak Banking Company
  • Plaza Wings, LLC in Haltom City, TX — $712K (2024) · Regions Bank
  • MJ 23 Wings LLC in Sioux City, IA — $550K (2024) · The First National Bank in Sioux Falls
  • LANTANA WINGS LLC in Bartonville, TX — $475K (2024) · Golden Bank National Association
  • CT Wings LLC in Fort Worth, TX — $877K (2023) · Regions Bank
  • Jeter Management Group, Inc. in Greenville, NC — $605K (2023) · Live Oak Banking Company

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

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Wingstop brand mark

Who funds Wingstop — and where

Every dot is a financed Wingstop — 43 mapped.

Financed Wingstop locations — list all 43 as text

Top lenders for this brand

  1. 1.Live Oak Banking Company(18)
  2. 2.The First National Bank in Sioux Falls(3)
  3. 3.Atlantic Union Bank(2)
  4. 4.Security State Bank and Trust(2)
  5. 5.Citizens Bank(2)

Most active states

  1. 1.North Carolina (8 loans)Wingstop lenders in North Carolina->
  2. 2.Texas (7 loans)Wingstop lenders in Texas->
  3. 3.California (5 loans)Wingstop lenders in California->
  4. 4.Georgia (3 loans)Wingstop lenders in Georgia->
  5. 5.Louisiana (3 loans)Wingstop lenders in Louisiana->
  6. 6.Florida (3 loans)Wingstop lenders in Florida->
  7. 7.Virginia (2 loans)Wingstop lenders in Virginia->
  8. 8.Maryland (2 loans)Wingstop lenders in Maryland->

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Common questions

How much does a Wingstop cost to buy or open?

The typical deal for Wingstop is $540K across 43 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $59K of buyer cash on a typical deal.

How risky is Wingstop?

0% of Wingstop's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a Wingstop with an SBA loan?

Yes — Wingstop 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 Wingstop franchise

Most Wingstop 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 Wingstop deal financed for $540K, which points to about $59K of buyer cash on a typical purchase. Wingstop is listed in the SBA Franchise Directory (identifier S1937), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Wingstop — 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 Wingstop — 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 Wingstop — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Wingstop is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 43 SBA 7(a) deals since 2020
  • $540K typical deal
  • 5 deals since FY2025
  • 0% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S1937)
  • Top lenders: Live Oak Banking Company, The First National Bank in Sioux Falls, Atlantic Union 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 2026-08-01.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/wingstop
API:
https://www.capbench.com/api/public/franchises/wingstop
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 Wingstop.

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