Food & Restaurants · lender intelligence

How to finance a Feng Cha in Texas

State:

The SBA 7(a) lenders funding the most Feng Cha deals in Texas, from public loan records — typical Feng Cha loan about $384K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Feng Cha in Texas

$384K

Typical loan

range $277K–$2.56M

$427K

Est. purchase price

≈ loan ÷ 90%

$57,067

Cash to close

$42,667 down + fees

$4,969/mo

Typical payment

~9.5% · 10yr

$68,572/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

29 days

Typical time to fund

Lenders competing

more = leverage

8.5%

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 Feng Cha in Texas

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

1.79 loans · $53M · Gulfport, MSFull record →
2.60 loans · $40M · Clayton, MOFull record →

3+ funded Feng Cha in Texas 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.

Feng Cha in Grand Prairie, TX — $384K (2024) · Midwest Regional Bank
Program
7a General
Rate at approval
11.25% variable
Term
123 months
SBA guaranteed
$288K (75%)
Approved
12/28/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Midwest Regional Bank · Lender record →
Your business? Claim this record · Request removal
Cannect, LLC in Richardson, TX — $2.6M (2022) · purchase · Hancock Whitney Bank
Program
Preferred Lenders Program
Rate at approval
6% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$1.9M (75%)
Approval → funding
15 days
Approved
11/15/2021
First disbursed
11/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Lessors of Miniwarehouses and Self-Storage Units
If you were the buyer here
Est. deal size
$2.8M
Est. down payment (10%)
$285K
Est. cash at closing
$393K
Monthly payment
$16,515
Annual debt service
$198K
Cash flow needed (1.25×)
$248K
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 Hancock Whitney Bank · Lender record →
Your business? Claim this record · Request removal
Feng Cha Rowlett, LLC in Rowlett, TX — $277K (2022) · Hancock Whitney Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$208K (75%)
Approval → funding
29 days
Approved
8/15/2022
First disbursed
9/13/2022
Loan status
Current
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
Snack and Nonalcoholic Beverage Bars
Funded by Hancock Whitney Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Feng Cha in Texas? 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.

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.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

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

Agent summary

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

$384K typical Feng Cha loan
2 lenders active in Texas
3+ funded Texas deals
29 days typical to fund

Buyers buying a Feng Cha in Texas 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 Feng Cha lenders

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/feng-cha/texas
API:: https://www.capbench.com/api/public/lenders?franchise=feng-cha
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.