Food & Restaurants · lender intelligence
How to finance a Farmer Boys
The SBA 7(a) lenders funding the most Farmer Boys deals, ranked from public loan records — typical Farmer Boys loan about $270K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Farmer Boys
$270K
Typical loan
range $221K–$270K
$300K
Est. purchase price
≈ loan ÷ 90%
$40,125
Cash to close
$30,000 down + fees
$3,719/mo
Typical payment
~11% · 10yr
$51,322/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
98 days
Typical time to fund
4
Lenders competing
more = leverage
7.7%
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 Farmer Boys
Ranked by funded Farmer Boys loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.72 loans · $30M · Oconomowoc, WIFull record →
- 2.618 loans · $171M · Salt Lake City, UTFull record →
- 3.99 loans · $43M · Walla Walla, WAFull record →
5+ funded Farmer Boys 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.
- FARMER BOYS CATHEDRAL CITY in Cathedral City, CA — $270K (2025) · Bank Five Nine
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $203K (75%)
- Approval → funding
- 234 days
- Approved
- 1/6/2025
- First disbursed
- 8/28/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Bank Five Nine · Lender record →
Your business? Claim this record · Request removal
- SHIVA NARAYAN INC in Diamond Bar, CA — $270K (2024) · Bank Five Nine
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $203K (75%)
- Approved
- 9/20/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Bank Five Nine · Lender record →
Your business? Claim this record · Request removal
- R Family's LLC in Riverside, CA — $221K (2024) · Banner Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.99% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $111K (50%)
- Approval → funding
- 98 days
- Approved
- 8/6/2024
- First disbursed
- 11/12/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 23
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by Banner Bank · Lender record →
Your business? Claim this record · Request removal
- JSJ FOODS, INC. in Murrieta, CA — $2.1M (2021) · Zions Bank, A Division of
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $1.9M (90%)
- Approval → funding
- 21 days
- Approved
- 3/10/2021
- First disbursed
- 3/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 90
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
- ELAN, INC. in Escondido, CA — $164K (2020) · U.S. Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.24% fixed
- Term
- 72 mo (6 yrs)
- SBA guaranteed
- $82K (50%)
- Approval → funding
- 23 days
- Approved
- 11/7/2019
- First disbursed
- 11/30/2019
- Loan status
- Paid in full (12/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Buying a Farmer Boys? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — 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 loans to Farmer Boys businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Farmer Boys 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 Five Nine funds the most. CapBench is not a lender.
- $270K typical Farmer Boys loan
- 4 lenders fund the brand
- 98 days typical to fund
Buyers researching a Farmer Boys 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.