Food & Restaurants · lender intelligence
How to finance a Golden Chick
The SBA 7(a) lenders funding the most Golden Chick deals, ranked from public loan records — typical Golden Chick loan about $988K, 0% failure rate across 30 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Golden Chick
$988K
Typical loan
range $602K–$2.01M
$1.10M
Est. purchase price
≈ loan ÷ 90%
$150,457
Cash to close
$109,722 down + fees
$12,778/mo
Typical payment
~9.5% · 10yr
$176,336/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
11 days
Typical time to fund
16
Lenders competing
more = leverage
6.55%
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 Golden Chick
Ranked by funded Golden Chick loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.85 loans · $148M · Los Angeles, CAFull record →
- 2.62 loans · $34M · Winter Haven, FLFull record →
- 3.44 loans · $52M · Wallis, TXFull record →
- 4.78 loans · $53M · Birmingham, ALFull record →
- 5.78 loans · $79M · New Orleans, LAFull record →
- 6.274 loans · $315M · Los Angeles, CAFull record →
- 7.128 loans · $40M · Wilmington, DEFull record →
- 8.1 loans · $0M · Irvington, KYFull record →
- 9.88 loans · $96M · Muncie, INFull record →
- 10.60 loans · $40M · Clayton, MOFull record →
- 11.2 loans · $1M · Texas City, TXFull record →
- 12.25 loans · $38M · Oklahoma City, OKFull record →
- 13.2,539 loans · $965M · Columbus, OHFull record →
- 14.104 loans · $100M · Portsmouth, VAFull record →
- 15.8 loans · $4M · Fredericksburg, TXFull record →
30+ funded Golden Chick 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.
- Golden Corral of Okeechobee in Okeechobee, FL — $2.3M (2025) · Midwest Regional Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.7M (75%)
- Approved
- 5/28/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 55
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Midwest Regional Bank · Lender record →
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- M5 Enterprise, Inc in Bowie, TX — $999K (2025) · TowneBank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $749K (75%)
- Approval → funding
- 11 days
- Approved
- 12/19/2024
- First disbursed
- 12/30/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 177
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by TowneBank · Lender record →
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- Golden Brand Venture LLC in Houston, TX — $939K (2025) · Texas First Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 126 months
- SBA guaranteed
- $704K (75%)
- Approval → funding
- 34 days
- Approved
- 5/28/2025
- First disbursed
- 7/1/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Texas First Bank · Lender record →
Your business? Claim this record · Request removal
- Golden Chick in Eagle Pass, TX — $875K (2025) · First Merchants Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 126 months
- SBA guaranteed
- $656K (75%)
- Approval → funding
- 81 days
- Approved
- 6/30/2025
- First disbursed
- 9/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 19
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
- GCW1 LLC in Wichita, KS — $1.3M (2024) · First National Bank of Oklahoma
- Program
- 7a General
- Rate at approval
- 10% fixed
- Term
- 198 months
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 22 days
- Approved
- 1/23/2024
- First disbursed
- 2/14/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Unanswered
- Industry
- Full-Service Restaurants
Funded by First National Bank of Oklahoma
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- Golden Chick in Houston, TX — $1.2M (2024) · Gulf Coast Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 128 months
- SBA guaranteed
- $908K (75%)
- Approval → funding
- 30 days
- Approved
- 5/1/2024
- First disbursed
- 5/31/2024
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Gulf Coast Bank and Trust Company · Lender record →
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- Kess Next LLC in Hudson Oaks, TX — $406K (2024) · Bank of Hope
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $305K (75%)
- Approval → funding
- 7 days
- Approved
- 4/12/2024
- First disbursed
- 4/19/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
- Golden Chick in Houston, TX — $320K (2024) · Gulf Coast Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $240K (75%)
- Approval → funding
- 28 days
- Approved
- 8/2/2024
- First disbursed
- 8/30/2024
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- 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
- May Ave GC LLC in Oklahoma City, OK — $1.1M (2023) · First State Bank
- Program
- 7a General
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $815K (75%)
- Approved
- 2/2/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by First State Bank · Lender record →
Your business? Claim this record · Request removal
- Golden Fast Foods LLC in Desoto, TX — $500K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 4 days
- Approved
- 8/25/2023
- First disbursed
- 8/29/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- 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
- GC Carrier Pkwy LLC in Grand Prairie, TX — $2.3M (2022) · Commonwealth Business Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.7M (75%)
- Approval → funding
- 4 days
- Approved
- 2/7/2022
- First disbursed
- 2/11/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Commonwealth Business Bank · Lender record →
Your business? Claim this record · Request removal
- GC 360 LLC in Grand Prairie, TX — $2.2M (2022) · purchase · Commonwealth Business Bank
- Program
- 7a General
- Rate at approval
- 4.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.6M (75%)
- Approval → funding
- 2 days
- Approved
- 4/13/2022
- First disbursed
- 4/15/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $2.4M
- Est. down payment (10%)
- $242K
- Est. cash at closing
- $334K
- Monthly payment
- $12,117
- Annual debt service
- $145K
- Cash flow needed (1.25×)
- $182K
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 Commonwealth Business Bank · Lender record →
Your business? Claim this record · Request removal
- LMSAD Enterprises Inc in Aubrey, TX — $687K (2022) · Commonwealth Business Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $515K (75%)
- Approval → funding
- 9 days
- Approved
- 3/22/2022
- First disbursed
- 3/31/2022
- Loan status
- Paid in full (4/30/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 19
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Commonwealth Business Bank · Lender record →
Your business? Claim this record · Request removal
- Universal Food Corp LLC in Houston, TX — $602K (2022) · Wallis Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 126 months
- SBA guaranteed
- $452K (75%)
- Approval → funding
- 0 days
- Approved
- 1/31/2022
- First disbursed
- 1/31/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 30
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Wallis Bank · Lender record →
Your business? Claim this record · Request removal
- Universal Food Corp LLC in Houston, TX — $602K (2022) · Wallis Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 126 months
- SBA guaranteed
- $452K (75%)
- Approval → funding
- 0 days
- Approved
- 1/31/2022
- First disbursed
- 1/31/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 30
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Wallis Bank · Lender record →
Your business? Claim this record · Request removal
- Universal Food Corp LLC in Houston, TX — $602K (2022) · Wallis Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 126 months
- SBA guaranteed
- $452K (75%)
- Approval → funding
- 0 days
- Approved
- 1/31/2022
- First disbursed
- 1/31/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 30
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Wallis Bank · Lender record →
Your business? Claim this record · Request removal
- New Kess LLC in Denton, TX — $496K (2022) · purchase · Bank of Hope
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $372K (75%)
- Approval → funding
- 8 days
- Approved
- 6/29/2022
- First disbursed
- 7/7/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $551K
- Est. down payment (10%)
- $55K
- Est. cash at closing
- $74K
- Monthly payment
- $5,445
- Annual debt service
- $65K
- Cash flow needed (1.25×)
- $82K
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 Bank of Hope · Lender record →
Your business? Claim this record · Request removal
- AH & JP Inc in Irving, TX — $3.2M (2021) · Commonwealth Business Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.9M (90%)
- Approval → funding
- 7 days
- Approved
- 4/21/2021
- First disbursed
- 4/28/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 25
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Commonwealth Business Bank · Lender record →
Your business? Claim this record · Request removal
- DAEBAK LLC in Grand Prairie, TX — $2.3M (2021) · Commonwealth Business Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.1M (90%)
- Approved
- 9/16/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Commonwealth Business Bank · Lender record →
Your business? Claim this record · Request removal
- BACKER INC in Wichita Falls, TX — $2.0M (2021) · Regions Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.82% fixed
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $1.8M (90%)
- Approval → funding
- 14 days
- Approved
- 5/26/2021
- First disbursed
- 6/9/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Regions Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Golden Chick? 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.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Golden Chick businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Golden Chick 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. Commonwealth Business Bank funds the most. CapBench is not a lender.
- $988K typical Golden Chick loan
- 0% failure rate (FY20–23)
- 16 lenders fund the brand
- 11 days typical to fund
Buyers researching a Golden Chick 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.
- 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.
- 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.