Retail & Shops · lender intelligence

How to finance a Chester's

State:

The SBA 7(a) lenders funding the most Chester's deals, ranked from public loan records — typical Chester's loan about $2.2M. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Chester's

$2.20M

Typical loan

range $1.39M–$3.27M

$2.45M

Est. purchase price

≈ loan ÷ 90%

$337,329

Cash to close

$244,811 down + fees

$28,510/mo

Typical payment

~9.5% · 10yr

$393,438/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

16 days

Typical time to fund

Lenders competing

more = leverage

7.17%

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 Chester's

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

1.97 loans · $156M · Clayton, MOFull record →
2.291 loans · $320M · Laguna Hills, CAFull record →
3.868 loans · $362M · Salt Lake City, UTFull record →
4.24 loans · $21M · Raleigh, NCFull record →
5.242 loans · $281M · Chicago, ILFull record →

6+ funded Chester's 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.

The Corner Store in Bethpage, NY — $1.4M (2025) · Harvest Small Business Finance, LLC
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
16 days
Approved
5/6/2025
First disbursed
5/22/2025
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
Convenience Retailers
Funded by Harvest Small Business Finance, LLC · Lender record →
Your business? Claim this record · Request removal
GAS 'N' STUFF in North Fork, CA — $3.7M (2023) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.8M (75%)
Approval → funding
79 days
Approved
5/3/2023
First disbursed
7/21/2023
Loan status
Paid in full (1/31/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Gasoline Stations with Convenience Stores
If you were the buyer here
Est. deal size
$4.2M
Est. down payment (10%)
$416K
Est. cash at closing
$574K
Monthly payment
$33,329
Annual debt service
$400K
Cash flow needed (1.25×)
$500K
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 Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
SSSB5 Corp, Inc. in Bakersfield, CA — $3.3M (2021) · Enterprise Bank & Trust
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.9M (90%)
Approval → funding
12 days
Approved
6/11/2021
First disbursed
6/23/2021
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
15
Business age
New Business or 2 years or less
Industry
Gasoline Stations with Convenience Stores
Funded by Enterprise Bank & Trust · Lender record →
Your business? Claim this record · Request removal
SSSB3 Corp in Bakersfield, CA — $2.2M (2021) · Enterprise Bank & Trust
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.0M (90%)
Approval → funding
0 days
Approved
3/31/2021
First disbursed
3/31/2021
Loan status
Paid in full (1/31/2026)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
5
Business age
New Business or 2 years or less
Industry
Gasoline Stations with Convenience Stores
Funded by Enterprise Bank & Trust · Lender record →
Your business? Claim this record · Request removal
Ore City Valero LLC in Ore City, TX — $1.7M (2021) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.5M (90%)
Approval → funding
9 days
Approved
9/21/2021
First disbursed
9/30/2021
Loan status
Paid in full (3/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Existing or more than 2 years old
Industry
Gasoline Stations with Convenience Stores
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Firehouse Subs in Spokane, WA — $265K (2021) · North State Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
88 months
SBA guaranteed
$239K (90%)
Approval → funding
23 days
Approved
7/8/2021
First disbursed
7/31/2021
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
22
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by North State Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Chester's? 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 Chester's businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Chester's 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. Enterprise Bank & Trust funds the most. CapBench is not a lender.

$2.2M typical Chester's loan
5 lenders fund the brand
16 days typical to fund

Buyers researching a Chester's 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 Chester's 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/chester-s
API:: https://www.capbench.com/api/public/lenders?franchise=chester-s
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.