Food & Restaurants · lender intelligence

How to finance a Gold Star Chili

State:

The SBA 7(a) lenders funding the most Gold Star Chili deals, ranked from public loan records — typical Gold Star Chili loan about $906K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Gold Star Chili

$906K

Typical loan

range $25K–$920K

$1.01M

Est. purchase price

≈ loan ÷ 90%

$138,040

Cash to close

$100,667 down + fees

$11,723/mo

Typical payment

~9.5% · 10yr

$161,777/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

25 days

Typical time to fund

Lenders competing

more = leverage

8.1%

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 Gold Star Chili

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

1.103 loans · $64M · Indiana, PAFull record →
2.284 loans · $254M · Cincinnati, OHFull record →
3.88 loans · $96M · Muncie, INFull record →
4.2,539 loans · $965M · Columbus, OHFull record →

6+ funded Gold Star Chili 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.

221 S High Street, LLC in Mount Orab, OH — $1.1M (2025) · First Commonwealth Bank
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
300 mo (25 yrs)
SBA guaranteed
$821K (75%)
Approval → funding
25 days
Approved
7/7/2025
First disbursed
8/1/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
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
CCJF CORP in Loveland, OH — $315K (2025) · First Commonwealth Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$158K (50%)
Approval → funding
77 days
Approved
2/19/2025
First disbursed
5/7/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
GS Maysville LLC in Maysville, KY — $920K (2023) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.99% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$690K (75%)
Approval → funding
15 days
Approved
8/3/2023
First disbursed
8/18/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
S & O Gold Inc. in Lebanon, OH — $24K (2022) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.25% variable
Term
60 mo (5 yrs)
SBA guaranteed
$12K (50%)
Approval → funding
14 days
Approved
3/16/2022
First disbursed
3/30/2022
Loan status
Paid in full (8/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
AZPINC LLC in Cincinnati, OH — $906K (2020) · purchase · First Merchants Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
304 months
SBA guaranteed
$680K (75%)
Approval → funding
18 days
Approved
12/13/2019
First disbursed
12/31/2019
Loan status
Paid in full (3/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$1.0M
Est. down payment (10%)
$101K
Est. cash at closing
$138K
Monthly payment
$6,665
Annual debt service
$80K
Cash flow needed (1.25×)
$100K
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 First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
DB&T North Inc. in Somerset, KY — $25K (2020) · Fifth Third Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.33% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
58 days
Approved
10/3/2019
First disbursed
11/30/2019
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Business age
Unanswered
Industry
Full-Service Restaurants
Funded by Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Gold Star Chili? Start with a lender that has funded the brand

We'll point you to the SBA lenders already financing this brand — 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 loans to Gold Star Chili businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Gold Star Chili 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. First Commonwealth Bank funds the most. CapBench is not a lender.

$906K typical Gold Star Chili loan
5 lenders fund the brand
25 days typical to fund

Buyers researching a Gold Star Chili 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 Gold Star Chili record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/gold-star-chili
API:: https://www.capbench.com/api/public/lenders?franchise=gold-star-chili
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.