Food & Restaurants · lender intelligence

How to finance a Cicis

State:

The SBA 7(a) lenders funding the most Cicis deals, ranked from public loan records — typical Cicis loan about $780K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Cicis

$780K

Typical loan

range $254K–$982K

$867K

Est. purchase price

≈ loan ÷ 90%

$118,842

Cash to close

$86,667 down + fees

$10,093/mo

Typical payment

~9.5% · 10yr

$139,283/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

60 days

Typical time to fund

Lenders competing

more = leverage

7.41%

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 Cicis

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

1.62 loans · $26M · Oklahoma City, OKFull record →
2.4 loans · $4M · El Campo, TXFull record →
3.1 loans · $0M · Atlanta, GAFull record →
4.46 loans · $85M · Salt Lake City, UTFull record →
5.34 loans · $57M · Charlotte, NCFull record →

9+ funded Cicis 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.

HHM Kaufman, Inc. in Kaufman, TX — $3.9M (2025) · Milestone Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
309 months
SBA guaranteed
$2.9M (75%)
Approval → funding
60 days
Approved
3/6/2025
First disbursed
5/5/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Milestone Bank · Lender record →
Your business? Claim this record · Request removal
Corevision Foods Calhoun LLC in Calhoun, GA — $1.5M (2025) · LGE Community CU
Program
Preferred Lenders Program
Rate at approval
8.5% fixed
Term
132 mo (11 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
38 days
Approved
11/15/2024
First disbursed
12/23/2024
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 LGE Community CU · Lender record →
Your business? Claim this record · Request removal
Costley Enterprises No. 83 LLC in Midwest City, OK — $270K (2025) · BancFirst
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$203K (75%)
Approval → funding
31 days
Approved
8/22/2025
First disbursed
9/22/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
25
Business age
Existing or more than 2 years old
Industry
Cafeterias, Grill Buffets, and Buffets
Funded by BancFirst · Lender record →
Your business? Claim this record · Request removal
Costley Enterprises No 884 Joplin LLC in Joplin, MO — $174K (2025) · BancFirst
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$131K (75%)
Approval → funding
73 days
Approved
8/22/2025
First disbursed
11/3/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
25
Business age
Existing or more than 2 years old
Industry
Cafeterias, Grill Buffets, and Buffets
Funded by BancFirst · Lender record →
Your business? Claim this record · Request removal
Costley Enterprises No 716 LLC in Oklahoma City, OK — $800K (2023) · BancFirst
Program
7a General
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$600K (75%)
Approval → funding
17 days
Approved
7/14/2023
First disbursed
7/31/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
26
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by BancFirst · Lender record →
Your business? Claim this record · Request removal
Grate Enterprises, LLC in Oklahoma City, OK — $180K (2022) · purchase · BancFirst
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
84 mo (7 yrs)
SBA guaranteed
$135K (75%)
Approval → funding
2 days
Approved
1/19/2022
First disbursed
1/21/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
26
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$200K
Est. down payment (10%)
$20K
Est. cash at closing
$27K
Monthly payment
$2,565
Annual debt service
$31K
Cash flow needed (1.25×)
$38K
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 BancFirst · Lender record →
Your business? Claim this record · Request removal
EP Mesa60 LLC in El Paso, TX — $982K (2021) · purchase · Prosperity Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$736K (75%)
Approval → funding
60 days
Approved
10/1/2020
First disbursed
11/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
100
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$109K
Est. cash at closing
$150K
Monthly payment
$10,532
Annual debt service
$126K
Cash flow needed (1.25×)
$158K
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 Prosperity Bank · Lender record →
Your business? Claim this record · Request removal
OKTC 871 LLC in Broken Arrow, OK — $780K (2020) · purchase · BancFirst
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
90 months
SBA guaranteed
$585K (75%)
Approved
3/10/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
90
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$867K
Est. down payment (10%)
$87K
Est. cash at closing
$119K
Monthly payment
$10,784
Annual debt service
$129K
Cash flow needed (1.25×)
$162K
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 BancFirst · Lender record →
Your business? Claim this record · Request removal
The Ashe Group in Winchester, VA — $254K (2020) · purchase · Truist Bank
Program
Preferred Lenders Program
Rate at approval
6.69% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$190K (75%)
Approval → funding
64 days
Approved
12/27/2019
First disbursed
2/29/2020
Loan status
Paid in full (4/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
48
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$282K
Est. down payment (10%)
$28K
Est. cash at closing
$38K
Monthly payment
$4,989
Annual debt service
$60K
Cash flow needed (1.25×)
$75K
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 Truist Bank · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a Cicis 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. BancFirst funds the most. CapBench is not a lender.

$780K typical Cicis loan
5 lenders fund the brand
60 days typical to fund

Buyers researching a Cicis 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 Cicis 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/cicis
API:: https://www.capbench.com/api/public/lenders?franchise=cicis
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.