Food & Restaurants · lender intelligence

How to finance a Country Kitchen Restaurant

State:

The SBA 7(a) lenders funding the most Country Kitchen Restaurant deals, ranked from public loan records — typical Country Kitchen Restaurant loan about $400K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Country Kitchen Restaurant

$400K

Typical loan

range $287K–$697K

$444K

Est. purchase price

≈ loan ÷ 90%

$59,444

Cash to close

$44,444 down + fees

$5,176/mo

Typical payment

~9.5% · 10yr

$71,429/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

39 days

Typical time to fund

Lenders competing

more = leverage

8.42%

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 Country Kitchen Restaurant

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

1.868 loans · $362M · Salt Lake City, UTFull record →
2.10 loans · $2M · Jefferson City, MOFull record →

3+ funded Country Kitchen Restaurant 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.

A & Z DINING, INC. in Rancho Cucamonga, CA — $697K (2025) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
126 months
SBA guaranteed
$523K (75%)
Approval → funding
39 days
Approved
8/15/2025
First disbursed
9/23/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
55
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Country Profit Trackers No 2, Inc. in Warrensburg, MO — $400K (2025) · The Central Trust Bank
Program
7a General
Rate at approval
8.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$300K (75%)
Approved
11/26/2024
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
42
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by The Central Trust Bank · Lender record →
Your business? Claim this record · Request removal
Ottumwa Foods LTD in Ottumwa, IA — $287K (2023) · purchase · South Ottumwa Savings Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$143K (50%)
Approval → funding
4 days
Approved
3/2/2023
First disbursed
3/6/2023
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$318K
Est. down payment (10%)
$32K
Est. cash at closing
$43K
Monthly payment
$3,253
Annual debt service
$39K
Cash flow needed (1.25×)
$49K
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 South Ottumwa Savings Bank
Your business? Claim this record · Request removal

Buying a Country Kitchen Restaurant? Start with a lender that has funded the brand

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Country Kitchen Restaurant businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Country Kitchen Restaurant 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. Celtic Bank Corporation funds the most. CapBench is not a lender.

$400K typical Country Kitchen Restaurant loan
3 lenders fund the brand
39 days typical to fund

Buyers researching a Country Kitchen Restaurant 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 Country Kitchen Restaurant record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/country-kitchen-restaurant
API:: https://www.capbench.com/api/public/lenders?franchise=country-kitchen-restaurant
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.