Food & Restaurants · lender intelligence
How to finance a A&W in Minnesota
The SBA 7(a) lenders funding the most A&W deals in Minnesota, from public loan records — typical A&W loan about $1.0M. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance A&W in Minnesota
$2.09M
Typical loan
range $163K–$2.09M
$2.32M
Est. purchase price
≈ loan ÷ 90%
$320,007
Cash to close
$232,333 down + fees
$27,057/mo
Typical payment
~9.5% · 10yr
$373,387/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
63 days
Typical time to fund
2
Lenders competing
more = leverage
4.5%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active with A&W in Minnesota
Ranked by funded A&W loans in Minnesota. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.2 loans · $1M · Minot, NDFull record →
2+ funded A&W in Minnesota deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- Nisswa A & W in Brainerd, MN — $163K (2022) · First Western Bank & Trust
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $81K (50%)
- Approval → funding
- 1 days
- Approved
- 3/30/2022
- First disbursed
- 3/31/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 9
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by First Western Bank & Trust · Lender record →
Your business? Claim this record · Request removal
- HL Pit Stop L.L.C. in Howard Lake, MN — $2.1M (2021) · Harvest Bank
- Program
- 7a General
- Rate at approval
- 4.75% fixed
- Term
- 306 months
- SBA guaranteed
- $1.9M (90%)
- Approval → funding
- 63 days
- Approved
- 6/17/2021
- First disbursed
- 8/19/2021
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Existing or more than 2 years old
- Industry
- Gasoline Stations with Convenience Stores
Funded by Harvest Bank
Your business? Claim this record · Request removal
Buying a A&W in Minnesota? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.
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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.
CapBench analysis of public SBA 7(a) lending records; ranked by funded A&W loans with a Minnesota project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a A&W purchase in Minnesota with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Minnesota deals. First Western Bank & Trust funds the most here. CapBench is not a lender.
- $1.0M typical A&W loan
- 2 lenders active in Minnesota
- 2+ funded Minnesota deals
- 63 days typical to fund
Buyers buying a A&W in Minnesota typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-18.
- 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.