Food & Restaurants · lender intelligence
How to finance a Chick-fil-A - Franchise Program
The SBA 7(a) lenders funding the most Chick-fil-A - Franchise Program deals, ranked from public loan records — typical Chick-fil-A - Franchise Program loan about $3.0M. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Chick-fil-A - Franchise Program
$3.00M
Typical loan
range $3.00M–$3.00M
$3.33M
Est. purchase price
≈ loan ÷ 90%
$460,208
Cash to close
$333,333 down + fees
$38,819/mo
Typical payment
~9.5% · 10yr
$535,702/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
15 days
Typical time to fund
1
Lenders competing
more = leverage
9.4%
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 Chick-fil-A - Franchise Program
Ranked by funded Chick-fil-A - Franchise Program loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
1+ funded Chick-fil-A - Franchise Program 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.
- MBC OF BOSTON, LLC in East Boston, MA — $3.0M (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.4% variable
- Term
- 126 months
- SBA guaranteed
- $2.3M (75%)
- Approval → funding
- 15 days
- Approved
- 9/8/2025
- First disbursed
- 9/23/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 200
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
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Buying a Chick-fil-A - Franchise Program? 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 Chick-fil-A - Franchise Program businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Chick-fil-A - Franchise Program 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. Live Oak Banking Company funds the most. CapBench is not a lender.
- $3.0M typical Chick-fil-A - Franchise Program loan
- 1 lenders fund the brand
- 15 days typical to fund
Buyers researching a Chick-fil-A - Franchise Program 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.