Food & Restaurants · lender intelligence
How to finance a Carl's Jr.
The SBA 7(a) lenders funding the most Carl's Jr. deals, ranked from public loan records — typical Carl's Jr. loan about $1.7M. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Carl's Jr.
$1.73M
Typical loan
range $938K–$5.00M
$1.93M
Est. purchase price
≈ loan ÷ 90%
$265,085
Cash to close
$192,767 down + fees
$22,449/mo
Typical payment
~9.5% · 10yr
$309,796/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
31 days
Typical time to fund
3
Lenders competing
more = leverage
7.53%
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 Carl's Jr.
Ranked by funded Carl's Jr. loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.31 loans · $32M · Phoenix, AZFull record →
- 2.291 loans · $320M · Laguna Hills, CAFull record →
- 3.1,296 loans · $1.4B · Wilmington, NCFull record →
4+ funded Carl's Jr. 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.
- American Restaurants and Coffee, Inc. in Needles, CA — $820K (2026) · Harvest Small Business Finance, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $615K (75%)
- Approval → funding
- 21 days
- Approved
- 1/27/2026
- First disbursed
- 2/17/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Harvest Small Business Finance, LLC · Lender record →
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- Valley Star AZ, LLC in Tucson, AZ — $1.7M (2024) · purchase · Western Alliance Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.13% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 19 days
- Approved
- 12/23/2023
- First disbursed
- 1/11/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 64
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.9M
- Est. down payment (10%)
- $193K
- Est. cash at closing
- $265K
- Monthly payment
- $12,406
- Annual debt service
- $149K
- Cash flow needed (1.25×)
- $186K
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 Western Alliance Bank · Lender record →
Your business? Claim this record · Request removal
- Valley Star AZ, LLC in Phoenix, AZ — $938K (2024) · Western Alliance Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 123 months
- SBA guaranteed
- $704K (75%)
- Approval → funding
- 31 days
- Approved
- 6/4/2024
- First disbursed
- 7/5/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 60
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Western Alliance Bank · Lender record →
Your business? Claim this record · Request removal
- Carl's Jr. in Las Vegas, NV — $5.0M (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approval → funding
- 81 days
- Approved
- 8/27/2021
- First disbursed
- 11/16/2021
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 300
- Business age
- Existing or more than 2 years old
- Industry
- Cafeterias, Grill Buffets, and Buffets
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Buying a Carl's Jr.? 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.
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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Carl's Jr. businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Carl's Jr. 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. Western Alliance Bank funds the most. CapBench is not a lender.
- $1.7M typical Carl's Jr. loan
- 3 lenders fund the brand
- 31 days typical to fund
Buyers researching a Carl's Jr. 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 2026-06-20.
- 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.