Food & Restaurants · lender intelligence
How to finance a Captain D's
The SBA 7(a) lenders funding the most Captain D's deals, ranked from public loan records — typical Captain D's loan about $1.1M. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Captain D's
$1.07M
Typical loan
range $600K–$1.30M
$1.19M
Est. purchase price
≈ loan ÷ 90%
$163,027
Cash to close
$118,889 down + fees
$13,846/mo
Typical payment
~9.5% · 10yr
$191,075/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
23 days
Typical time to fund
10
Lenders competing
more = leverage
7.77%
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 Captain D's
Ranked by funded Captain D's loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.4 loans · $2M · Little Rock, ARFull record →
- 2.36 loans · $51M · Carmel, INFull record →
- 3.242 loans · $281M · Chicago, ILFull record →
- 4.66 loans · $68M · Milford, IAFull record →
- 5.85 loans · $148M · Los Angeles, CAFull record →
- 6.291 loans · $320M · Laguna Hills, CAFull record →
- 7.1 loans · $1M · Lincoln, NEFull record →
- 8.1 loans · $0M · St. Louis, MOFull record →
- 9.2,539 loans · $965M · Columbus, OHFull record →
- 10.15 loans · $20M · Madisonville, KYFull record →
10+ funded Captain D'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.
- Captain D's in Murfreesboro, TN — $500K (2026) · United Community Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (50%)
- Approval → funding
- 8 days
- Approved
- 1/22/2026
- First disbursed
- 1/30/2026
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by United Community Bank · Lender record →
Your business? Claim this record · Request removal
- BDR Enterprises of Texas, LLC in San Antonio, TX — $1.1M (2025) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 124 months
- SBA guaranteed
- $803K (75%)
- Approved
- 9/29/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
- Captain D's in Ocala, FL — $968K (2025) · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.4% fixed
- Term
- 126 months
- SBA guaranteed
- $726K (75%)
- Approval → funding
- 46 days
- Approved
- 3/10/2025
- First disbursed
- 4/25/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 60
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
- Captain D's in Gun Barrel City, TX — $999K (2024) · Harvest Small Business Finance, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $749K (75%)
- Approval → funding
- 20 days
- Approved
- 4/5/2024
- First disbursed
- 4/25/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Harvest Small Business Finance, LLC · Lender record →
Your business? Claim this record · Request removal
- FSK Food Service, Inc in Mcdonough, GA — $600K (2024) · Commonwealth Business Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $450K (75%)
- Approval → funding
- 28 days
- Approved
- 3/28/2024
- First disbursed
- 4/25/2024
- 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
- Full-Service Restaurants
Funded by Commonwealth Business Bank · Lender record →
Your business? Claim this record · Request removal
- AMERIFISH INC in Fort Worth, TX — $1.7M (2022) · First United Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 314 months
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 7 days
- Approved
- 1/24/2022
- First disbursed
- 1/31/2022
- Loan status
- Paid in full (5/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First United Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
- Nest I LLC in Posen, IL — $1.3M (2021) · Merchants Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.2M (90%)
- Approval → funding
- 10 days
- Approved
- 4/20/2021
- First disbursed
- 4/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 25
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
- GBC Company, LLC in Gun Barrel City, TX — $1.2M (2021) · Bank OZK
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 249 months
- SBA guaranteed
- $903K (75%)
- Approval → funding
- 61 days
- Approved
- 12/14/2020
- First disbursed
- 2/13/2021
- Loan status
- Paid in full (9/30/2021)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 45
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Bank OZK · Lender record →
Your business? Claim this record · Request removal
- Captain D's of Clinton Twp in Clinton Township, MI — $1.5M (2020) · First Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 306 months
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 31 days
- Approved
- 10/30/2019
- First disbursed
- 11/30/2019
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 30
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First Bank · Lender record →
Your business? Claim this record · Request removal
- MCBRAYER DEVELOPMENT LLC in West Point, MS — $25K (2020) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.25% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 23 days
- Approved
- 4/7/2020
- First disbursed
- 4/30/2020
- Loan status
- Paid in full (5/31/2020)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 42
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Captain D'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 Captain D's businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Captain D'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. Bank OZK funds the most. CapBench is not a lender.
- $1.1M typical Captain D's loan
- 10 lenders fund the brand
- 23 days typical to fund
Buyers researching a Captain D'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.
- 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.