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Zaxby's, by the numbers

Zaxby's appears in 51 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 S1986)

51 deals since 2020 · typical deal $1.4M · 0% failure rate

51

Deals since 2020

$1.4M

Typical deal

16

Deals since FY2025

0%

Failure rate (FY20–23)

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

What buyers pay for Zaxby's

Most Zaxby's deals financed between $450K and $2.32M. Above $2.32M, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$17,827
Down payment (10%)
$151K
Cash to close (all-in)
$208K

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 ~$208K)

Experience

Recent financings

  • GK Ashland LLC in Ashland, VA — $2.3M (2026) · United FCU
  • Zaxby's in Lutherville Timonium, MD — $2.1M (2026) · Harvest Small Business Finance, LLC
  • 3260 BOSTON CHICKEN LLC in Bronx, NY — $1.7M (2026) · Live Oak Banking Company
  • Monarch Restaurant Group Inc in Scottsdale, AZ — $500K (2026) · Live Oak Banking Company
  • LATTAKIA GROUP L.L.C. in Rosedale, MD — $500K (2026) · Live Oak Banking Company
  • CKN INC. in Orange City, FL — $450K (2026) · Live Oak Banking Company
  • TSGZ LLC. in Clanton, AL — $150K (2026) · purchase · Live Oak Banking Company
  • Axiom Hosts, LLC in Middletown, OH — $3.5M (2025) · The Huntington National Bank
  • Perry Chicken LLC in Perry, FL — $3.2M (2025) · Live Oak Banking Company
  • Zaxby's in Prince George, VA — $3.1M (2025) · United FCU

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

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Zaxby's brand mark

Who funds Zaxby's — and where

Every dot is a financed Zaxby's — 50 mapped.

Financed Zaxby's locations — list all 50 as text

Top lenders for this brand

  1. 1.Live Oak Banking Company(10)
  2. 2.United Community Bank(9)
  3. 3.Banc of California(4)
  4. 4.Pinnacle Bank(4)
  5. 5.Merchants Bank of Indiana(3)

Most active states

  1. 1.Tennessee (5 loans)Zaxby's lenders in Tennessee->
  2. 2.South Carolina (5 loans)Zaxby's lenders in South Carolina->
  3. 3.Virginia (5 loans)Zaxby's lenders in Virginia->
  4. 4.Florida (5 loans)Zaxby's lenders in Florida->
  5. 5.Georgia (4 loans)Zaxby's lenders in Georgia->
  6. 6.North Carolina (4 loans)Zaxby's lenders in North Carolina->
  7. 7.Mississippi (4 loans)Zaxby's lenders in Mississippi->
  8. 8.Missouri (3 loans)Zaxby's lenders in Missouri->

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Common questions

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

The typical deal for Zaxby's is $1.4M across 51 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $150K of buyer cash on a typical deal.

How risky is Zaxby's?

0% of Zaxby's'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 Zaxby's with an SBA loan?

Yes — Zaxby's has been SBA-financed 16 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Zaxby's franchise

Most Zaxby'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 Zaxby's deal financed for $1.4M, which points to about $150K of buyer cash on a typical purchase. Zaxby's is listed in the SBA Franchise Directory (identifier S1986), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Zaxby'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 Zaxby'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 Zaxby's — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Zaxby's is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 51 SBA 7(a) deals since 2020
  • $1.4M typical deal
  • 16 deals since FY2025
  • 0% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S1986)
  • Top lenders: Live Oak Banking Company, United Community Bank, Banc of California

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/zaxby-s
API:
https://www.capbench.com/api/public/franchises/zaxby-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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Represent Zaxby's?

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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Zaxby's.

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