Food & Restaurants · lender intelligence

How to finance a Carrot Express

State:

The SBA 7(a) lenders funding the most Carrot Express deals, ranked from public loan records — typical Carrot Express loan about $336K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Carrot Express

$336K

Typical loan

range $304K–$522K

$374K

Est. purchase price

≈ loan ÷ 90%

$49,979

Cash to close

$37,367 down + fees

$4,633/mo

Typical payment

~11% · 10yr

$63,935/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

3 days

Typical time to fund

Lenders competing

more = leverage

7.5%

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 Carrot Express

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

1.19 loans · $18M · Grand Rapids, MIFull record →

4+ funded Carrot Express 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.

5 HEALTHY RESTAURANTS LLC in Hialeah, FL — $522K (2026) · Lake Michigan CU
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$392K (75%)
Approved
2/25/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal
5AM Healthy Restaurants LLC in Pinecrest, FL — $304K (2023) · Lake Michigan CU
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$228K (75%)
Approval → funding
6 days
Approved
11/17/2022
First disbursed
11/23/2022
Loan status
Paid in full (9/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal
5A Healthy Restaurants LLC in Miami, FL — $336K (2021) · Lake Michigan CU
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$303K (90%)
Approval → funding
3 days
Approved
4/27/2021
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
10
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal
5M Healthy Restaurants LLC in Fort Lauderdale, FL — $251K (2021) · Lake Michigan CU
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$226K (90%)
Approval → funding
2 days
Approved
4/28/2021
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
10
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal

Buying a Carrot Express? 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.

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 loans to Carrot Express businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Carrot Express 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. Lake Michigan CU funds the most. CapBench is not a lender.

$336K typical Carrot Express loan
1 lenders fund the brand
3 days typical to fund

Buyers researching a Carrot Express 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 Carrot Express 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/carrot-express
API:: https://www.capbench.com/api/public/lenders?franchise=carrot-express
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.