Food & Restaurants · lender intelligence
How to finance a Cicis in Texas
The SBA 7(a) lenders funding the most Cicis deals in Texas, from public loan records — typical Cicis loan about $780K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Cicis in Texas
$3.85M
Typical loan
range $982K–$3.85M
$4.28M
Est. purchase price
≈ loan ÷ 90%
$592,080
Cash to close
$428,333 down + fees
$49,883/mo
Typical payment
~9.5% · 10yr
$688,385/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
60 days
Typical time to fund
2
Lenders competing
more = leverage
7.5%
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 in Texas
Ranked by funded Cicis loans in Texas. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.4 loans · $4M · El Campo, TXFull record →
- 2.46 loans · $85M · Salt Lake City, UTFull record →
2+ funded Cicis in Texas 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
- 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
Buying a Cicis in Texas? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded Cicis loans with a Texas project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Cicis purchase in Texas with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Texas deals. Prosperity Bank funds the most here. CapBench is not a lender.
- $780K typical Cicis loan
- 2 lenders active in Texas
- 2+ funded Texas deals
- 60 days typical to fund
Buyers buying a Cicis in Texas typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents 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.