Food & Restaurants · lender intelligence
How to finance a El Chico Cafe in Texas
The SBA 7(a) lenders funding the most El Chico Cafe deals in Texas, from public loan records — typical El Chico Cafe loan about $901K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance El Chico Cafe in Texas
$901K
Typical loan
range $901K–$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
2 days
Typical time to fund
1
Lenders competing
more = leverage
6%
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 in Texas
Ranked by funded El Chico Cafe loans in Texas. Tap a lender for its full record, or hit Get in touch for an introduction.
No directory lender has enough El Chico Cafe loans in Texas to rank yet. See El Chico Cafe lenders nationwide →
1+ funded El Chico Cafe 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.
- 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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Buying a El Chico Cafe 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.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded El Chico Cafe loans with a Texas project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a El Chico Cafe 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. CapBench is not a lender.
- $901K typical El Chico Cafe loan
- 1 lenders active in Texas
- 1+ funded Texas deals
- 2 days typical to fund
Buyers buying a El Chico Cafe 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 2026-06-24.
- 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.