Food & Restaurants · lender intelligence
How to finance a Charleys Philly Steaks
The SBA 7(a) lenders funding the most Charleys Philly Steaks deals, ranked from public loan records — typical Charleys Philly Steaks loan about $425K, 0% failure rate across 71 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Charleys Philly Steaks
$425K
Typical loan
range $265K–$537K
$472K
Est. purchase price
≈ loan ÷ 90%
$63,160
Cash to close
$47,222 down + fees
$5,499/mo
Typical payment
~9.5% · 10yr
$75,886/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
100.0%
Still performing
0% default · FY20–23
19 days
Typical time to fund
33
Lenders competing
more = leverage
8.76%
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 Charleys Philly Steaks
Ranked by funded Charleys Philly Steaks 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 →
- 2.75 loans · $98M · Sioux Falls, SDFull record →
- 3.274 loans · $315M · Los Angeles, CAFull record →
- 4.1,025 loans · $292M · Berkeley Heights, NJFull record →
- 5.62 loans · $21M · Saint Cloud, MNFull record →
- 6.318 loans · $229M · Osage Beach, MOFull record →
- 7.78 loans · $79M · New Orleans, LAFull record →
- 8.4 loans · $3M · Atlanta, GAFull record →
- 9.868 loans · $362M · Salt Lake City, UTFull record →
- 10.103 loans · $64M · Indiana, PAFull record →
- 11.1,927 loans · $207M · Buffalo, NYFull record →
- 12.1 loans · $0M · Parsons, KSFull record →
- 13.18 loans · $21M · Farmington Hills, MIFull record →
- 14.20 loans · $10M · Newark, OHFull record →
- 15.101 loans · $81M · Pasadena, CAFull record →
- 16.72 loans · $30M · Oconomowoc, WIFull record →
- 17.79 loans · $53M · Gulfport, MSFull record →
- 18.36 loans · $35M · Memphis, TNFull record →
- 19.32 loans · $54M · Houston, TXFull record →
- 20.105 loans · $51M · Fitzgerald, GAFull record →
- 21.1 loans · $1M · Lincoln, NEFull record →
- 22.41 loans · $77M · Warwick, RIFull record →
- 23.44 loans · $52M · Wallis, TXFull record →
- 24.88 loans · $96M · Muncie, INFull record →
- 25.128 loans · $40M · Wilmington, DEFull record →
71+ funded Charleys Philly Steaks 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.
- Bisou Bisou Incorporated in Apopka, FL — $2.3M (2026) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.15% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.7M (75%)
- Approved
- 1/30/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 52
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $2.5M
- Est. down payment (10%)
- $253K
- Est. cash at closing
- $349K
- Monthly payment
- $27,827
- Annual debt service
- $334K
- Cash flow needed (1.25×)
- $417K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- JACKT LLC in Machesney Park, IL — $750K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $563K (75%)
- Approval → funding
- 25 days
- Approved
- 1/9/2026
- First disbursed
- 2/3/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 23
- 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
- CHEESESTEAK KINGS LLC in Clifton, NJ — $647K (2026) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 129 months
- SBA guaranteed
- $486K (75%)
- Approved
- 2/26/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 19
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
- Chas Cheesesteaks LLC in Louisville, KY — $403K (2026) · The Park National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 90 months
- SBA guaranteed
- $302K (75%)
- Approval → funding
- 33 days
- Approved
- 11/19/2025
- First disbursed
- 12/22/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Park National Bank · Lender record →
Your business? Claim this record · Request removal
- B to Z enterprise LLC in Sherman Oaks, CA — $381K (2026) · Bank Five Nine
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $286K (75%)
- Approved
- 1/8/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Bank Five Nine · Lender record →
Your business? Claim this record · Request removal
- CHARLEYS #2739 in Upland, CA — $363K (2026) · purchase · East West Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 117 months
- SBA guaranteed
- $272K (75%)
- Approval → funding
- 25 days
- Approved
- 1/5/2026
- First disbursed
- 1/30/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $403K
- Est. down payment (10%)
- $40K
- Est. cash at closing
- $54K
- Monthly payment
- $4,520
- Annual debt service
- $54K
- Cash flow needed (1.25×)
- $68K
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 East West Bank · Lender record →
Your business? Claim this record · Request removal
- Bisou Bisou Incorporated in Apopka, FL — $150K (2026) · purchase · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approved
- 1/30/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 52
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $1,860
- Annual debt service
- $22K
- Cash flow needed (1.25×)
- $28K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- JACKT LLC in Machesney Park, IL — $50K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 1/9/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 23
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Frederick Cheesesteaks, LLC in Frederick, MD — $878K (2025) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 131 months
- SBA guaranteed
- $658K (75%)
- Approval → funding
- 14 days
- Approved
- 4/25/2025
- First disbursed
- 5/9/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
- HVA Operations LLC in Lone Tree, CO — $700K (2025) · Bank of Hope
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $525K (75%)
- Approval → funding
- 59 days
- Approved
- 9/16/2025
- First disbursed
- 11/14/2025
- 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 Bank of Hope · Lender record →
Your business? Claim this record · Request removal
- JAY QUICKFOOD LLC in East Meadow, NY — $500K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 45 days
- Approved
- 4/1/2025
- First disbursed
- 5/16/2025
- Loan status
- Current
- 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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- SRG Holdings LLC in Bowie, MD — $449K (2025) · Manufacturers and Traders Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 108 mo (9 yrs)
- SBA guaranteed
- $337K (75%)
- Approval → funding
- 28 days
- Approved
- 5/20/2025
- First disbursed
- 6/17/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- MSM50 LLC in La Plata, MD — $425K (2025) · Shoreham Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $319K (75%)
- Approval → funding
- 53 days
- Approved
- 2/6/2025
- First disbursed
- 3/31/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 11
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Shoreham Bank · Lender record →
Your business? Claim this record · Request removal
- Todrivear LLC in Aurora, CO — $336K (2025) · Bank of Hope
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $252K (75%)
- Approval → funding
- 8 days
- Approved
- 4/3/2025
- First disbursed
- 4/11/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
- STM2678, LLC in Clearwater, FL — $300K (2025) · First Commonwealth Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 30 days
- Approved
- 5/7/2025
- First disbursed
- 6/6/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
- STRONGHORSE4545 LLC in Sarasota, FL — $283K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $192K (68%)
- Approved
- 1/28/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- HVA Operations Mart LLC in Thornton, CO — $175K (2025) · Bank of Hope
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $131K (75%)
- Approval → funding
- 8 days
- Approved
- 8/20/2025
- First disbursed
- 8/28/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
- Kwa Amai (Ka) LLC in Terrell, TX — $173K (2025) · purchase · Hancock Whitney Bank
- Program
- 7a General
- Rate at approval
- 10% variable
- Term
- 123 months
- SBA guaranteed
- $130K (75%)
- Approval → funding
- 65 days
- Approved
- 3/26/2025
- First disbursed
- 5/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $193K
- Est. down payment (10%)
- $19K
- Est. cash at closing
- $26K
- Monthly payment
- $2,258
- Annual debt service
- $27K
- Cash flow needed (1.25×)
- $34K
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 Hancock Whitney Bank · Lender record →
Your business? Claim this record · Request removal
- Whitehorse4545 LLC in Bradenton, FL — $94K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $55K (58%)
- Approved
- 1/28/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- JAY QUICKFOOD LLC in East Meadow, NY — $50K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 4/1/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- 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
Buying a Charleys Philly Steaks? 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 Charleys Philly Steaks businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Charleys Philly Steaks 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.
- $425K typical Charleys Philly Steaks loan
- 0% failure rate (FY20–23)
- 33 lenders fund the brand
- 19 days typical to fund
Buyers researching a Charleys Philly Steaks 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.