Food & Restaurants · lender intelligence
How to finance a El Chico Cafe
The SBA 7(a) lenders funding the most El Chico Cafe deals, ranked from public loan records — typical El Chico Cafe loan about $901K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance El Chico Cafe
$901K
Typical loan
range $523K–$901K
$1.00M
Est. purchase price
≈ loan ÷ 90%
$137,263
Cash to close
$100,100 down + fees
$11,657/mo
Typical payment
~9.5% · 10yr
$160,867/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
49 days
Typical time to fund
2
Lenders competing
more = leverage
5.88%
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 El Chico Cafe
Ranked by funded El Chico Cafe loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.4 loans · $2M · Little Rock, ARFull record →
2+ funded El Chico Cafe 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.
- El Chico Granbury in Granbury, TX — $901K (2021) · purchase · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $811K (90%)
- Approval → funding
- 2 days
- Approved
- 9/28/2021
- First disbursed
- 9/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 48
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.0M
- Est. down payment (10%)
- $100K
- Est. cash at closing
- $137K
- Monthly payment
- $10,002
- Annual debt service
- $120K
- Cash flow needed (1.25×)
- $150K
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 Newtek Small Business Finance, Inc.
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- Fenixfood Group, LLC in Texarkana, AR — $523K (2020) · purchase · Bank OZK
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $392K (75%)
- Approval → funding
- 49 days
- Approved
- 5/4/2020
- First disbursed
- 6/22/2020
- Loan status
- Paid in full (10/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 55
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $581K
- Est. down payment (10%)
- $58K
- Est. cash at closing
- $78K
- Monthly payment
- $5,742
- Annual debt service
- $69K
- Cash flow needed (1.25×)
- $86K
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 Bank OZK · Lender record →
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Buying a El Chico Cafe? 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 El Chico Cafe businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a El Chico Cafe 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. Bank OZK funds the most. CapBench is not a lender.
- $901K typical El Chico Cafe loan
- 2 lenders fund the brand
- 49 days typical to fund
Buyers researching a El Chico Cafe 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.
- 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.