Food & Restaurants · lender intelligence
How to finance a Charleys Philly Steaks in New Jersey
The SBA 7(a) lenders funding the most Charleys Philly Steaks deals in New Jersey, from public loan records — typical Charleys Philly Steaks loan about $425K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Charleys Philly Steaks in New Jersey
$647K
Typical loan
range $350K–$647K
$719K
Est. purchase price
≈ loan ÷ 90%
$96,211
Cash to close
$71,933 down + fees
$8,377/mo
Typical payment
~9.5% · 10yr
$115,603/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
36 days
Typical time to fund
2
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 Charleys Philly Steaks in New Jersey
Ranked by funded Charleys Philly Steaks loans in New Jersey. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.868 loans · $362M · Salt Lake City, UTFull record →
- 2.128 loans · $40M · Wilmington, DEFull record →
2+ funded Charleys Philly Steaks in New Jersey 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.
- 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
- ST. SHENOUDA LLC in South Plainfield, NJ — $350K (2020) · PNC Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.5% fixed
- Term
- 126 months
- SBA guaranteed
- $175K (50%)
- Approval → funding
- 36 days
- Approved
- 11/25/2019
- First disbursed
- 12/31/2019
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by PNC Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Buying a Charleys Philly Steaks in New Jersey? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.
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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 Charleys Philly Steaks loans with a New Jersey project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Charleys Philly Steaks purchase in New Jersey with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded New Jersey deals. Celtic Bank Corporation funds the most here. CapBench is not a lender.
- $425K typical Charleys Philly Steaks loan
- 2 lenders active in New Jersey
- 2+ funded New Jersey deals
- 36 days typical to fund
Buyers buying a Charleys Philly Steaks in New Jersey typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
- 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.