Food & Restaurants · lender intelligence

How to finance a Fatburger

State:

The SBA 7(a) lenders funding the most Fatburger deals, ranked from public loan records — typical Fatburger loan about $520K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Fatburger

$520K

Typical loan

range $373K–$788K

$578K

Est. purchase price

≈ loan ÷ 90%

$77,278

Cash to close

$57,778 down + fees

$6,729/mo

Typical payment

~9.5% · 10yr

$92,860/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

13 days

Typical time to fund

Lenders competing

more = leverage

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 Fatburger

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.3 loans · $2M · Minneapolis, MNFull record →
3.33 loans · $54M · Sun Valley, CAFull record →
4.149 loans · $135M · Mukwonago, WIFull record →
5.60 loans · $40M · Clayton, MOFull record →
6.1 loans · $0M · Anchorage, AKFull record →
7.868 loans · $362M · Salt Lake City, UTFull record →
8.1,025 loans · $292M · Berkeley Heights, NJFull record →
9.168 loans · $205M · Fishers, INFull record →

16+ funded Fatburger 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.

VSFoods585 LLC in Camarillo, CA — $739K (2025) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$554K (75%)
Approval → funding
13 days
Approved
7/17/2025
First disbursed
7/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$821K
Est. down payment (10%)
$82K
Est. cash at closing
$113K
Monthly payment
$9,766
Annual debt service
$117K
Cash flow needed (1.25×)
$146K
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 Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
REINABELLE FOOD SERVICES, LLC DBA FATBURGER #1044 in Carson, CA — $617K (2025) · Mission Valley Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$463K (75%)
Approval → funding
37 days
Approved
6/24/2025
First disbursed
7/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Mission Valley Bank · Lender record →
Your business? Claim this record · Request removal
Thomasville Enterprises LLC in Dallas, TX — $520K (2025) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
130 months
SBA guaranteed
$390K (75%)
Approval → funding
7 days
Approved
6/23/2025
First disbursed
6/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
FAT MONEY in Los Angeles, CA — $150K (2024) · Northeast Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
8 days
Approved
7/11/2024
First disbursed
7/19/2024
Loan status
Payments deferred
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Northeast Bank · Lender record →
Your business? Claim this record · Request removal
AB RESTAURANT CHAIN INC in Lake Balboa, CA — $150K (2024) · Northeast Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
26 days
Approved
12/14/2023
First disbursed
1/9/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Northeast Bank · Lender record →
Your business? Claim this record · Request removal
FB Celebration Inc in Melbourne, FL — $896K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$672K (75%)
Approval → funding
8 days
Approved
4/27/2023
First disbursed
5/5/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
124
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
FB Riverview LLC in Riverview, FL — $887K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$666K (75%)
Approval → funding
4 days
Approved
2/13/2023
First disbursed
2/17/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
134
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Fatburger & Buffalo's Express / Fatburger/Buffalo's Cafe in Manassas, VA — $872K (2022) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
101 months
SBA guaranteed
$654K (75%)
Approval → funding
3 days
Approved
12/28/2021
First disbursed
12/31/2021
Loan status
In workout — SBA bought the guarantee
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 Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
FB1278 LLC in Clovis, CA — $788K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$591K (75%)
Approval → funding
2 days
Approved
4/19/2022
First disbursed
4/21/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Phuntoome LLC in Garland, TX — $480K (2022) · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
125 months
SBA guaranteed
$360K (75%)
Approval → funding
125 days
Approved
3/25/2022
First disbursed
7/28/2022
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
32
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
FB1278 LLC in Clovis, CA — $50K (2022) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
16 days
Approved
4/19/2022
First disbursed
5/5/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Tatum Global Services LLC in Manassas, VA — $609K (2021) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
126 months
SBA guaranteed
$548K (90%)
Approved
9/10/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
36
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
Fatburger of Allen Texas in Allen, TX — $488K (2021) · Midwest Regional Bank
Program
7a General
Rate at approval
6% variable
Term
123 months
SBA guaranteed
$366K (75%)
Approval → funding
76 days
Approved
12/14/2020
First disbursed
2/28/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
21
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Midwest Regional Bank · Lender record →
Your business? Claim this record · Request removal
MMRR Enterprise in Elk Grove, CA — $472K (2021) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
100 months
SBA guaranteed
$354K (75%)
Approval → funding
25 days
Approved
12/8/2020
First disbursed
1/2/2021
Loan status
Failed — $440K charged off (6/5/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
19
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Fatburger #57 in Buena Park, CA — $373K (2021) · Mission Valley Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$336K (90%)
Approval → funding
13 days
Approved
9/17/2021
First disbursed
9/30/2021
Loan status
Paid in full (11/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
16
Business age
Unanswered
Industry
Limited-Service Restaurants
Funded by Mission Valley Bank · Lender record →
Your business? Claim this record · Request removal
ArcticMonty LLC in Fairbanks, AK — $40K (2021) · Northrim Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8% variable
Term
48 mo (4 yrs)
SBA guaranteed
$30K (75%)
Approval → funding
33 days
Approved
3/29/2021
First disbursed
5/1/2021
Loan status
Paid in full (5/31/2023)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Northrim Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Fatburger? 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 Fatburger businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Fatburger 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. The Huntington National Bank funds the most. CapBench is not a lender.

$520K typical Fatburger loan
10 lenders fund the brand
13 days typical to fund

Buyers researching a Fatburger 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 Fatburger 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/fatburger
API:: https://www.capbench.com/api/public/lenders?franchise=fatburger
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.