Food & Restaurants · lender intelligence

How to finance a Fatburger in California

State:

Alaska (1)Florida (2)Texas (3)Virginia (2)

The SBA 7(a) lenders funding the most Fatburger deals in California, from public loan records — typical Fatburger loan about $520K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Fatburger in California

$472K

Typical loan

range $150K–$739K

$524K

Est. purchase price

≈ loan ÷ 90%

$70,144

Cash to close

$52,444 down + fees

$6,108/mo

Typical payment

~9.5% · 10yr

$84,290/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

16 days

Typical time to fund

Lenders competing

more = leverage

8.16%

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 in California

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

1.3 loans · $2M · Minneapolis, MNFull record →
2.33 loans · $54M · Sun Valley, CAFull record →
3.2,539 loans · $965M · Columbus, OHFull record →
4.149 loans · $135M · Mukwonago, WIFull record →
5.868 loans · $362M · Salt Lake City, UTFull record →

8+ funded Fatburger in California 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
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
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
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
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

Buying a Fatburger in California? 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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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.

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CapBench analysis of public SBA 7(a) lending records; ranked by funded Fatburger loans with a California project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Fatburger purchase in California with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded California deals. Northeast Bank funds the most here. CapBench is not a lender.

$520K typical Fatburger loan
5 lenders active in California
8+ funded California deals
16 days typical to fund

Buyers buying a Fatburger in California 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.

Next steps

Pre-qualify this deal Talk to a loan broker All Fatburger lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-22.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/fatburger/california
API:: https://www.capbench.com/api/public/lenders?franchise=fatburger&state=CA
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.