Food & Restaurants · lender intelligence
How to finance a BAYA BAR
The SBA 7(a) lenders funding the most BAYA BAR deals, ranked from public loan records — typical BAYA BAR loan about $90K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance BAYA BAR
$90K
Typical loan
range $50K–$257K
$100K
Est. purchase price
≈ loan ÷ 90%
$12,880
Cash to close
$10,000 down + fees
$1,317/mo
Typical payment
~12.5% · 10yr
$18,175/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
48 days
Typical time to fund
3
Lenders competing
more = leverage
9.4%
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 BAYA BAR
Ranked by funded BAYA BAR loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.78 loans · $79M · New Orleans, LAFull record →
- 3.1,927 loans · $207M · Buffalo, NYFull record →
5+ funded BAYA BAR 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.
- OASIS KEW GARDEN INC. in Babylon, NY — $277K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $208K (75%)
- Approval → funding
- 48 days
- Approved
- 4/3/2025
- First disbursed
- 5/21/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- OASIS KEW GARDEN INC. in Babylon, NY — $50K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 4/3/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- BAYA BAR in Port Jefferson Station, NY — $257K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 124 months
- SBA guaranteed
- $192K (75%)
- Approval → funding
- 182 days
- Approved
- 7/17/2024
- First disbursed
- 1/15/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 11
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- BAYA BAR MILL BASIN INC in Brooklyn, NY — $50K (2021) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $38K (75%)
- Approval → funding
- 15 days
- Approved
- 7/16/2021
- First disbursed
- 7/31/2021
- Loan status
- Paid in full (7/31/2025)
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- ASM Group LLC in Kenner, LA — $90K (2020) · Gulf Coast Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $68K (75%)
- Approval → funding
- 19 days
- Approved
- 11/11/2019
- First disbursed
- 11/30/2019
- Loan status
- Paid in full (7/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Unanswered
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Buying a BAYA BAR? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to BAYA BAR businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a BAYA BAR 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. The Huntington National Bank funds the most. CapBench is not a lender.
- $90K typical BAYA BAR loan
- 3 lenders fund the brand
- 48 days typical to fund
Buyers researching a BAYA BAR 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.
- 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.
- 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.