Food & Restaurants · lender intelligence
How to finance a First Watch in Georgia
The SBA 7(a) lenders funding the most First Watch deals in Georgia, from public loan records — typical First Watch loan about $1.0M. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance First Watch in Georgia
$1.02M
Typical loan
range $1.02M–$1.02M
$1.13M
Est. purchase price
≈ loan ÷ 90%
$154,951
Cash to close
$113,000 down + fees
$13,160/mo
Typical payment
~9.5% · 10yr
$181,608/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
54 days
Typical time to fund
1
Lenders competing
more = leverage
5.5%
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 First Watch in Georgia
Ranked by funded First Watch loans in Georgia. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.24 loans · $17M · Wayne, PAFull record →
1+ funded First Watch in Georgia 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.
- RAS Concepts IV, LLC in Augusta, GA — $1.0M (2021) · Meridian Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $763K (75%)
- Approval → funding
- 54 days
- Approved
- 12/11/2020
- First disbursed
- 2/3/2021
- Loan status
- Paid in full (8/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 28
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Meridian Bank · Lender record →
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Buying a First Watch in Georgia? 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded First Watch loans with a Georgia project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a First Watch purchase in Georgia with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Georgia deals. Meridian Bank funds the most here. CapBench is not a lender.
- $1.0M typical First Watch loan
- 1 lenders active in Georgia
- 1+ funded Georgia deals
- 54 days typical to fund
Buyers buying a First Watch in Georgia 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.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-20.
- 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.