Food & Restaurants · lender intelligence

How to finance a Arby's

State:

The SBA 7(a) lenders funding the most Arby's deals, ranked from public loan records — typical Arby's loan about $860K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Arby's

$860K

Typical loan

range $500K–$1.21M

$956K

Est. purchase price

≈ loan ÷ 90%

$131,031

Cash to close

$95,556 down + fees

$11,128/mo

Typical payment

~9.5% · 10yr

$153,566/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

34 days

Typical time to fund

Lenders competing

more = leverage

7.22%

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 Arby's

Ranked by funded Arby's loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.42 loans · $7M · San Juan, PRFull record →
3.1,025 loans · $292M · Berkeley Heights, NJFull record →
4.11 loans · $10M · Bedminster, NJFull record →
5.15 loans · $4M · Waverly, NEFull record →
6.3,264 loans · $846M · Miami, FLFull record →
7.4 loans · $2M · Dallas, TXFull record →
8.2,539 loans · $965M · Columbus, OHFull record →
9.9 loans · $13M · Atlanta, GAFull record →
10.35 loans · $33M · Providence, RIFull record →
11.168 loans · $205M · Fishers, INFull record →
12.29 loans · $28M · Quincy, CAFull record →
13.10 loans · $3M · Perryville, MOFull record →
14.6 loans · $1M · San Juan, PRFull record →

20+ funded Arby's 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.

Kang Foods LLC in Oroville, CA — $500K (2026) · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$250K (50%)
Approval → funding
7 days
Approved
12/10/2025
First disbursed
12/17/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Arby’s. in Schenectady, NY — $1.4M (2025) · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
126 months
SBA guaranteed
$1.1M (75%)
Approval → funding
34 days
Approved
8/13/2025
First disbursed
9/16/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
37
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Arbys #8806 in Chico, CA — $905K (2025) · Live Oak Banking Company
Program
7a General
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$679K (75%)
Approval → funding
48 days
Approved
5/29/2025
First disbursed
7/16/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
80
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
BRUMIT RESTAURANT GROUP, LLC in Newport, TN — $860K (2024) · purchase · Ameris Bank
Program
Preferred Lenders Program
Rate at approval
8.625% variable
Term
120 mo (10 yrs)
SBA guaranteed
$645K (75%)
Approval → funding
15 days
Approved
4/23/2024
First disbursed
5/8/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
42
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$956K
Est. down payment (10%)
$96K
Est. cash at closing
$131K
Monthly payment
$10,720
Annual debt service
$129K
Cash flow needed (1.25×)
$161K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Ameris Bank · Lender record →
Your business? Claim this record · Request removal
MCW Ventures Inc. in Gaylord, MI — $440K (2024) · Horizon Bank
Program
7a General
Rate at approval
9% fixed
Term
87 months
SBA guaranteed
$330K (75%)
Approval → funding
12 days
Approved
6/26/2024
First disbursed
7/8/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
22
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Horizon Bank · Lender record →
Your business? Claim this record · Request removal
A5 Enterprise LLC in Lexington, KY — $1.2M (2023) · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
123 months
SBA guaranteed
$905K (75%)
Approved
7/14/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
100
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Classic Ventures, West Division, Inc. in Strongsville, OH — $320K (2023) · Citizens Bank, National Association
Program
Preferred Lenders Program
Rate at approval
11.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$240K (75%)
Approval → funding
31 days
Approved
9/30/2023
First disbursed
10/31/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Citizens Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Wow Foods, LLC in Farmingdale, NY — $1.5M (2022) · Capital One, National Association
Program
Preferred Lenders Program
Rate at approval
4.69% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
111 days
Approved
6/24/2022
First disbursed
10/13/2022
Loan status
Paid in full (7/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
52
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Capital One, National Association
Your business? Claim this record · Request removal
Caribbean Steakhouse, LLC in Fajardo, PR — $1.1M (2022) · Economic Development Bank for Puerto Rico
Program
7a General
Rate at approval
8.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$837K (75%)
Approved
3/17/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
40
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Economic Development Bank for Puerto Rico · Lender record →
Your business? Claim this record · Request removal
ARVG Corporation in Carolina, PR — $995K (2022) · Oriental Bank
Program
7a General
Rate at approval
6% variable
Term
126 months
SBA guaranteed
$746K (75%)
Approval → funding
10 days
Approved
6/14/2022
First disbursed
6/24/2022
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
55
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Oriental Bank · Lender record →
Your business? Claim this record · Request removal
Fondos Globales, Inc. in San Juan, PR — $690K (2022) · Oriental Bank
Program
7a General
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$518K (75%)
Approval → funding
4 days
Approved
1/27/2022
First disbursed
1/31/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
42
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Oriental Bank · Lender record →
Your business? Claim this record · Request removal
Kang Foods LLC in Oroville, CA — $2.1M (2021) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
4.95% variable
Term
306 months
SBA guaranteed
$1.9M (90%)
Approval → funding
61 days
Approved
8/4/2021
First disbursed
10/4/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Trident QSR Operations, LLC in Whitehall, PA — $910K (2021) · Peapack Private Bank and Trust
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
168 mo (14 yrs)
SBA guaranteed
$819K (90%)
Approval → funding
38 days
Approved
5/10/2021
First disbursed
6/17/2021
Loan status
Paid in full (1/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Peapack Private Bank and Trust · Lender record →
Your business? Claim this record · Request removal
J.C. Management Inc. in Buena Park, CA — $800K (2021) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
128 months
SBA guaranteed
$600K (75%)
Approval → funding
40 days
Approved
12/16/2020
First disbursed
1/25/2021
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
74
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
Anj Restaurant LLC in Santa Isabel, PR — $750K (2021) · Oriental Bank
Program
7a General
Rate at approval
5.5% variable
Term
72 mo (6 yrs)
SBA guaranteed
$675K (90%)
Approval → funding
11 days
Approved
8/19/2021
First disbursed
8/30/2021
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
26
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Oriental Bank · Lender record →
Your business? Claim this record · Request removal
Beef Ventures, Inc. - Big Rapids in Big Rapids, MI — $250K (2021) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.5% fixed
Term
90 months
SBA guaranteed
$125K (50%)
Approval → funding
14 days
Approved
11/16/2020
First disbursed
11/30/2020
Loan status
Paid in full (7/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
35
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Arby's in Woodland, CA — $2.1M (2020) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.65% variable
Term
306 months
SBA guaranteed
$1.6M (75%)
Approval → funding
35 days
Approved
12/27/2019
First disbursed
1/31/2020
Loan status
Paid in full (3/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
45
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
KSR Concepts Inc. in Modesto, CA — $709K (2020) · Plumas Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
124 months
SBA guaranteed
$531K (75%)
Approval → funding
75 days
Approved
10/17/2019
First disbursed
12/31/2019
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Plumas Bank · Lender record →
Your business? Claim this record · Request removal
Home Field Advantage Limited in Gilbert, AZ — $308K (2020) · Sunflower Bank National Association
Program
Preferred Lenders Program
Rate at approval
6.25% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$231K (75%)
Approved
4/24/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Sunflower Bank National Association · Lender record →
Your business? Claim this record · Request removal
GHM Investments LLC in Springfield, MO — $95K (2020) · The Bank of Missouri
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.5% variable
Term
60 mo (5 yrs)
SBA guaranteed
$48K (50%)
Approval → funding
43 days
Approved
11/18/2019
First disbursed
12/31/2019
Loan status
Paid in full (10/31/2024)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
100
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by The Bank of Missouri · Lender record →
Your business? Claim this record · Request removal

Buying a Arby's? Start with a lender that has funded the brand

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Arby's businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Arby's purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Live Oak Banking Company funds the most. CapBench is not a lender.

$860K typical Arby's loan
15 lenders fund the brand
34 days typical to fund

Buyers researching a Arby's typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker Arby's record

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/lenders/franchise/arby-s
API:: https://www.capbench.com/api/public/lenders?franchise=arby-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.