Food & Restaurants · lender intelligence

How to finance a Chick'nCone

State:

The SBA 7(a) lenders funding the most Chick'nCone deals, ranked from public loan records — typical Chick'nCone loan about $227K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Chick'nCone

$227K

Typical loan

range $189K–$247K

$252K

Est. purchase price

≈ loan ÷ 90%

$33,691

Cash to close

$25,189 down + fees

$3,318/mo

Typical payment

~12.5% · 10yr

$45,788/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

30 days

Typical time to fund

Lenders competing

more = leverage

6.58%

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'nCone

Ranked by funded Chick'nCone 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 →
2.328 loans · $134M · Cleveland, OHFull record →
3.13 loans · $18M · Roseburg, ORFull record →
4.35 loans · $4M · San Antonio, TXFull record →
5.19 loans · $18M · Grand Rapids, MIFull record →

9+ funded Chick'nCone 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.

NAM LLC in Atlanta, GA — $100K (2024) · LiftFund, Inc.
Program
Preferred Lenders Program
Rate at approval
12.25% fixed
Term
72 mo (6 yrs)
SBA guaranteed
$85K (85%)
Approved
11/11/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by LiftFund, Inc. · Lender record →
Your business? Claim this record · Request removal
Stuart United Inc in Jersey City, NJ — $247K (2022) · Columbia Bank
Program
7a General
Rate at approval
6.25% variable
Term
106 months
SBA guaranteed
$185K (75%)
Approval → funding
13 days
Approved
5/25/2022
First disbursed
6/7/2022
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
12
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Columbia Bank · Lender record →
Your business? Claim this record · Request removal
Chick N Cone in Macon, GA — $189K (2022) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
100 months
SBA guaranteed
$142K (75%)
Approval → funding
30 days
Approved
7/25/2022
First disbursed
8/24/2022
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
16
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
Treat Enterprises LLC in Farmington, MI — $370K (2021) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
3.75% variable
Term
180 mo (15 yrs)
SBA guaranteed
$185K (50%)
Approved
5/28/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
RADACLS ENTEPRISES, LLC. in Caledonia, MI — $275K (2021) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$248K (90%)
Approved
9/26/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
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
Chick'n Cone in San Marcos, CA — $233K (2021) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
101 months
SBA guaranteed
$210K (90%)
Approval → funding
1 days
Approved
7/30/2021
First disbursed
7/31/2021
Loan status
Paid in full (4/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
MADNKX CAPITAL PARTNERS LLC in Winter Springs, FL — $227K (2021) · Lake Michigan CU
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$204K (90%)
Approved
9/27/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Lake Michigan CU · Lender record →
Your business? Claim this record · Request removal
Chic-Ken & Mike, LLC in Hamilton, OH — $225K (2021) · KeyBank National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.5% variable
Term
126 months
SBA guaranteed
$113K (50%)
Approval → funding
71 days
Approved
11/24/2020
First disbursed
2/3/2021
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
10
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
RADACLS ENTEPRISES, LLC. in Caledonia, MI — $25K (2021) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$19K (75%)
Approved
9/26/2021
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
7
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 Chick'nCone? 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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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 Chick'nCone businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Chick'nCone 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.

$227K typical Chick'nCone loan
6 lenders fund the brand
30 days typical to fund

Buyers researching a Chick'nCone 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 Chick'nCone record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-19.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/chick-ncone
API:: https://www.capbench.com/api/public/lenders?franchise=chick-ncone
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.