How to finance a Charleys Philly Steaks in Texas

State:

The SBA 7(a) lenders funding the most Charleys Philly Steaks deals in Texas, 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 Texas

$462K

Typical loan

range $406K–$525K

$513K

Est. purchase price

≈ loan ÷ 90%

$68,658

Cash to close

$51,333 down + fees

$5,978/mo

Typical payment

~9.5% · 10yr

$82,496/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

18 days

Typical time to fund

Lenders competing

more = leverage

9.82%

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 Texas

Ranked by funded Charleys Philly Steaks loans in Texas. Tap a lender for its full record, or hit Get in touch for an introduction.

1.75 loans · $98M · Sioux Falls, SDFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.1,025 loans · $292M · Berkeley Heights, NJFull record →
4.78 loans · $79M · New Orleans, LAFull record →
5.79 loans · $53M · Gulfport, MSFull record →
6.32 loans · $54M · Houston, TXFull record →
7.105 loans · $51M · Fitzgerald, GAFull record →
8.44 loans · $52M · Wallis, TXFull record →
9.88 loans · $96M · Muncie, INFull record →
10.868 loans · $362M · Salt Lake City, UTFull record →

18+ funded Charleys Philly Steaks in Texas 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.

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
Charley's Philly Steaks and Wings in Cypress, TX — $744K (2024) · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$558K (75%)
Approval → funding
44 days
Approved
7/31/2024
First disbursed
9/13/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
35
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
Chewy Go Food LLC in Austin, TX — $721K (2024) · Southwestern National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
126 months
SBA guaranteed
$541K (75%)
Approval → funding
64 days
Approved
8/26/2024
First disbursed
10/29/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Southwestern National Bank · Lender record →
Your business? Claim this record · Request removal
YB Highland LLC in Highland Village, TX — $549K (2023) · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$412K (75%)
Approval → funding
6 days
Approved
11/3/2022
First disbursed
11/9/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
Avash Inc in Fort Worth, TX — $525K (2023) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$394K (75%)
Approval → funding
19 days
Approved
9/2/2023
First disbursed
9/21/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
Avash Inc in Mansfield, TX — $525K (2023) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$394K (75%)
Approval → funding
19 days
Approved
9/2/2023
First disbursed
9/21/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
RSSK Group LLC in Dallas, TX — $490K (2023) · Wallis Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
126 months
SBA guaranteed
$367K (75%)
Approval → funding
18 days
Approved
5/19/2023
First disbursed
6/6/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Wallis Bank · Lender record →
Your business? Claim this record · Request removal
Trinity Brothers Group LLC in Tomball, TX — $486K (2023) · First Merchants Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
126 months
SBA guaranteed
$365K (75%)
Approved
7/14/2023
Loan status
Cancelled
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 First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
E-Square DFW LLC in Rowlett, TX — $478K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$359K (75%)
Approval → funding
2 days
Approved
3/8/2023
First disbursed
3/10/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
42
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
SSG CHR 2649, LLC in Irving, TX — $462K (2023) · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
123 months
SBA guaranteed
$347K (75%)
Approval → funding
10 days
Approved
3/3/2023
First disbursed
3/13/2023
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
SSG CHR 3285, LLC in Cedar Hill, TX — $460K (2023) · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
123 months
SBA guaranteed
$345K (75%)
Approval → funding
8 days
Approved
2/2/2023
First disbursed
2/10/2023
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
SSG CHR 880, LLC in Irving, TX — $442K (2023) · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
123 months
SBA guaranteed
$332K (75%)
Approval → funding
6 days
Approved
3/3/2023
First disbursed
3/9/2023
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
SSG CHR 880, LLC in Irving, TX — $442K (2023) · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
123 months
SBA guaranteed
$332K (75%)
Approved
3/3/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
2POINT5 LLC in Lewisville, TX — $406K (2023) · Colony Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
123 months
SBA guaranteed
$305K (75%)
Approval → funding
13 days
Approved
9/20/2023
First disbursed
10/3/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Colony Bank · Lender record →
Your business? Claim this record · Request removal
Lonches Lonches, LLC in El Paso, TX — $173K (2023) · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$130K (75%)
Approval → funding
29 days
Approved
8/30/2023
First disbursed
9/28/2023
Loan status
Current
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 The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
E-Square DFW LLC in Rowlett, TX — $30K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approved
3/8/2023
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
42
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
Onepoint5 LLC in Plano, TX — $428K (2021) · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
123 months
SBA guaranteed
$385K (90%)
Approval → funding
18 days
Approved
5/24/2021
First disbursed
6/11/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
TE PRO36 LLC in Garland, TX — $396K (2020) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$297K (75%)
Approval → funding
8 days
Approved
10/23/2019
First disbursed
10/31/2019
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal

Buying a Charleys Philly Steaks in Texas? Start with a lender that funds them here

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CapBench analysis of public SBA 7(a) lending records; ranked by funded Charleys Philly Steaks loans with a Texas project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Charleys Philly Steaks purchase in Texas with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Texas deals. The Bancorp Bank National Association funds the most here. CapBench is not a lender.

$425K typical Charleys Philly Steaks loan
10 lenders active in Texas
18+ funded Texas deals
18 days typical to fund

Buyers buying a Charleys Philly Steaks in Texas 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.

Next steps

Pre-qualify this deal Talk to a loan broker All Charleys Philly Steaks lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-18.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/charleys-philly-steaks/texas
API:: https://www.capbench.com/api/public/lenders?franchise=charleys-philly-steaks
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.