Food & Restaurants · lender intelligence

How to finance a Erbert and Gerbert's

State:

The SBA 7(a) lenders funding the most Erbert and Gerbert's deals, ranked from public loan records — typical Erbert and Gerbert's loan about $174K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Erbert and Gerbert's

$174K

Typical loan

range $60K–$284K

$193K

Est. purchase price

≈ loan ÷ 90%

$25,873

Cash to close

$19,344 down + fees

$2,548/mo

Typical payment

~12.5% · 10yr

$35,162/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

15 days

Typical time to fund

Lenders competing

more = leverage

7.03%

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 Erbert and Gerbert's

Ranked by funded Erbert and Gerbert's loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.46 loans · $27M · Sartell, MNFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.116 loans · $120M · Evansville, INFull record →
4.16 loans · $18M · Chicago, ILFull record →

8+ funded Erbert and Gerbert's 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.

BENNETT AND FAMILY LLC in Anoka, MN — $284K (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$213K (75%)
Approved
2/24/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$316K
Est. down payment (10%)
$32K
Est. cash at closing
$42K
Monthly payment
$3,677
Annual debt service
$44K
Cash flow needed (1.25×)
$55K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
BENNETT AND FAMILY LLC in Anoka, MN — $25K (2026) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
2/24/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$323
Annual debt service
$4K
Cash flow needed (1.25×)
$5K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Petts Enterprises LLC in Stevens Point, WI — $274K (2023) · purchase · BMO Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$206K (75%)
Approval → funding
7 days
Approved
7/28/2023
First disbursed
8/4/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$304K
Est. down payment (10%)
$30K
Est. cash at closing
$41K
Monthly payment
$3,008
Annual debt service
$36K
Cash flow needed (1.25×)
$45K
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 BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
BLACK CAT INVESTMENTS LLC in New Prague, MN — $128K (2023) · purchase · BankVista
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$109K (85%)
Approval → funding
27 days
Approved
10/6/2022
First disbursed
11/2/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$143K
Est. down payment (10%)
$14K
Est. cash at closing
$18K
Monthly payment
$1,575
Annual debt service
$19K
Cash flow needed (1.25×)
$24K
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 BankVista · Lender record →
Your business? Claim this record · Request removal
BLACK CAT INVESTMENTS LLC in New Prague, MN — $429K (2022) · purchase · BankVista
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$322K (75%)
Approval → funding
3 days
Approved
4/5/2022
First disbursed
4/8/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
50
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$477K
Est. down payment (10%)
$48K
Est. cash at closing
$64K
Monthly payment
$4,659
Annual debt service
$56K
Cash flow needed (1.25×)
$70K
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 BankVista · Lender record →
Your business? Claim this record · Request removal
BLACK CAT INVESTMENTS LLC in New Prague, MN — $60K (2022) · purchase · BankVista
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$30K (50%)
Approval → funding
2 days
Approved
4/6/2022
First disbursed
4/8/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$67K
Est. down payment (10%)
$7K
Est. cash at closing
$9K
Monthly payment
$651
Annual debt service
$8K
Cash flow needed (1.25×)
$10K
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 BankVista · Lender record →
Your business? Claim this record · Request removal
BLACK CAT INVESTMENTS LLC in New Prague, MN — $25K (2022) · purchase · BankVista
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
73 days
Approved
8/22/2022
First disbursed
11/3/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$297
Annual debt service
$4K
Cash flow needed (1.25×)
$4K
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 BankVista · Lender record →
Your business? Claim this record · Request removal
Switzer Group Hudson LLC in Hudson, WI — $174K (2020) · Old National Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$131K (75%)
Approval → funding
15 days
Approved
9/15/2020
First disbursed
9/30/2020
Loan status
Paid in full (3/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Old National Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Erbert and Gerbert's? 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 Erbert and Gerbert's businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Erbert and Gerbert's 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. BankVista funds the most. CapBench is not a lender.

$174K typical Erbert and Gerbert's loan
4 lenders fund the brand
15 days typical to fund

Buyers researching a Erbert and Gerbert's 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 Erbert and Gerbert's 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/erbert-and-gerbert-s
API:: https://www.capbench.com/api/public/lenders?franchise=erbert-and-gerbert-s
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.