Food & Restaurants · lender intelligence

How to finance a Chop Stop

State:

The SBA 7(a) lenders funding the most Chop Stop deals, ranked from public loan records — typical Chop Stop loan about $430K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Chop Stop

$430K

Typical loan

range $400K–$436K

$478K

Est. purchase price

≈ loan ÷ 90%

$63,903

Cash to close

$47,778 down + fees

$5,564/mo

Typical payment

~9.5% · 10yr

$76,783/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

29 days

Typical time to fund

Lenders competing

more = leverage

6.75%

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 Chop Stop

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

1.28 loans · $35M · West Memphis, ARFull record →

4+ funded Chop Stop 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.

Chop Stop in Fountain Valley, CA — $400K (2021) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$360K (90%)
Approval → funding
2 days
Approved
4/28/2021
First disbursed
4/30/2021
Loan status
Paid in full (10/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
23
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
HFB Enterprises,LLC in Temecula, CA — $436K (2020) · Evolve Bank and Trust
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
123 months
SBA guaranteed
$327K (75%)
Approval → funding
95 days
Approved
4/27/2020
First disbursed
7/31/2020
Loan status
Paid in full (2/28/2023)
Loan type
Term loan
Collateral
Not required
Business type
Partnership
Secondary market
Loan sold to investors
Jobs supported
29
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Evolve Bank and Trust · Lender record →
Your business? Claim this record · Request removal
CBAD Salads LLC in Encinitas, CA — $430K (2020) · Evolve Bank and Trust
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
81 months
SBA guaranteed
$323K (75%)
Approval → funding
29 days
Approved
2/25/2020
First disbursed
3/25/2020
Loan status
Paid in full (9/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Evolve Bank and Trust · Lender record →
Your business? Claim this record · Request removal
WDS Vino Inc in San Jose, CA — $374K (2020) · Evolve Bank and Trust
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
123 months
SBA guaranteed
$280K (75%)
Approved
2/24/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Evolve Bank and Trust · Lender record →
Your business? Claim this record · Request removal

Buying a Chop Stop? 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 Chop Stop businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Chop Stop 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. Evolve Bank and Trust funds the most. CapBench is not a lender.

$430K typical Chop Stop loan
2 lenders fund the brand
29 days typical to fund

Buyers researching a Chop Stop 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 Chop Stop 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/chop-stop
API:: https://www.capbench.com/api/public/lenders?franchise=chop-stop
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.