Food & Restaurants · lender intelligence

How to finance a Fazoli's

State:

The SBA 7(a) lenders funding the most Fazoli's deals, ranked from public loan records — typical Fazoli's loan about $1.1M. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Fazoli's

$1.15M

Typical loan

range $820K–$2.51M

$1.28M

Est. purchase price

≈ loan ÷ 90%

$175,216

Cash to close

$127,778 down + fees

$14,881/mo

Typical payment

~9.5% · 10yr

$205,358/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

27 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 Fazoli's

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

1.78 loans · $79M · New Orleans, LAFull record →
2.1 loans · $1M · Lincoln, NEFull record →
3.1,322 loans · $185M · Wilmington, DEFull record →
4.24 loans · $13M · Pikeville, KYFull record →
5.103 loans · $64M · Indiana, PAFull record →
6.14 loans · $23M · Miami Lakes, FLFull record →
7.8 loans · $7M · Dickson, TNFull record →

8+ funded Fazoli'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.

Tasker Investment Group, Inc. in Newnan, GA — $2.8M (2023) · First Commonwealth Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
312 mo (26 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
4 days
Approved
6/12/2023
First disbursed
6/16/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
56
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
SHIV 8 INVESTMENT OF PANAMA CITY LLC in Panama City, FL — $2.5M (2021) · First Federal Bank
Program
Preferred Lenders Program
Rate at approval
4.99% fixed
Term
315 months
SBA guaranteed
$2.3M (90%)
Approval → funding
69 days
Approved
8/4/2021
First disbursed
10/12/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
26
Business age
New Business or 2 years or less
Industry
Gasoline Stations with Convenience Stores
Funded by First Federal Bank · Lender record →
Your business? Claim this record · Request removal
42 Hicks Dr., LLC in Rome, GA — $1.3M (2021) · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
312 mo (26 yrs)
SBA guaranteed
$956K (75%)
Approval → funding
85 days
Approved
12/15/2020
First disbursed
3/10/2021
Loan status
Paid in full (7/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
57
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
Blackstone Entertainment, LLC in Pikeville, KY — $1.1M (2021) · Community Trust Bank, Inc.
Program
7a General
Rate at approval
3.75% variable
Term
246 months
SBA guaranteed
$788K (75%)
Approval → funding
114 days
Approved
11/6/2020
First disbursed
2/28/2021
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
38
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Community Trust Bank, Inc. · Lender record →
Your business? Claim this record · Request removal
Clifclem Holdings, LLC in Clermont, FL — $820K (2021) · TD Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$738K (90%)
Approval → funding
20 days
Approved
2/8/2021
First disbursed
2/28/2021
Loan status
Paid in full (5/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Fazoli’s in College Station, TX — $155K (2021) · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
125 months
SBA guaranteed
$140K (90%)
Approval → funding
23 days
Approved
9/27/2021
First disbursed
10/20/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
50
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Fazoli’s in Waco, TX — $155K (2021) · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
125 months
SBA guaranteed
$140K (90%)
Approval → funding
23 days
Approved
9/27/2021
First disbursed
10/20/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
50
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Profex Inc in Long Grove, IL — $1.1M (2020) · purchase · BankUnited, National Association
Program
7a General
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$863K (75%)
Approval → funding
27 days
Approved
3/4/2020
First disbursed
3/31/2020
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Local Messengers and Local Delivery
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$128K
Est. cash at closing
$175K
Monthly payment
$13,205
Annual debt service
$158K
Cash flow needed (1.25×)
$198K
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 BankUnited, National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Fazoli'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 Fazoli's businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Fazoli'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. Gulf Coast Bank and Trust Company funds the most. CapBench is not a lender.

$1.1M typical Fazoli's loan
7 lenders fund the brand
27 days typical to fund

Buyers researching a Fazoli'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 Fazoli'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/fazoli-s
API:: https://www.capbench.com/api/public/lenders?franchise=fazoli-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.