Food & Restaurants · lender intelligence

How to finance a Arby's in Kentucky

State:

Arizona (1)California (6)Michigan (2)Missouri (1)New York (2)Ohio (1)Pennsylvania (1)PR (4)Tennessee (1)

The SBA 7(a) lenders funding the most Arby's deals in Kentucky, from public loan records — typical Arby's loan about $860K. A bank already funding the brand in your state knows it twice over.

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

$1.21M

Typical loan

range $1.21M–$1.21M

$1.34M

Est. purchase price

≈ loan ÷ 90%

$183,900

Cash to close

$134,111 down + fees

$15,618/mo

Typical payment

~9.5% · 10yr

$215,528/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

Lenders competing

more = leverage

11%

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 in Kentucky

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

1.168 loans · $205M · Fishers, INFull record →

1+ funded Arby's in Kentucky 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.

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 →
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Buying a Arby's in Kentucky? 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.

Free · No documents · Usually same-day

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.

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.

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

Agent summary

How to finance a Arby's purchase in Kentucky with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Kentucky deals. First Internet Bank of Indiana funds the most here. CapBench is not a lender.

$860K typical Arby's loan
1 lenders active in Kentucky
1+ funded Kentucky deals

Buyers buying a Arby's in Kentucky 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.

Next steps

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

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
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/kentucky
API:: https://www.capbench.com/api/public/lenders?franchise=arby-s&state=KY
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.