Food & Restaurants · lender intelligence

How to finance a Goodcents

State:

The SBA 7(a) lenders funding the most Goodcents deals, ranked from public loan records — typical Goodcents loan about $300K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Goodcents

$300K

Typical loan

range $230K–$350K

$333K

Est. purchase price

≈ loan ÷ 90%

$44,583

Cash to close

$33,333 down + fees

$4,133/mo

Typical payment

~11% · 10yr

$57,035/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

24 days

Typical time to fund

Lenders competing

more = leverage

7.53%

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 Goodcents

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

1.30 loans · $24M · Kansas City, MOFull record →
2.5 loans · $3M · New Auburn, WIFull record →
3.41 loans · $21M · Wichita, KSFull record →
4.46 loans · $27M · Sartell, MNFull record →
5.60 loans · $40M · Clayton, MOFull record →

13+ funded Goodcents 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.

Amyra LLC in Tulsa, OK — $375K (2025) · Security Bank
Program
Preferred Lenders Program
Rate at approval
8.5% fixed
Term
129 months
SBA guaranteed
$281K (75%)
Approval → funding
43 days
Approved
3/27/2025
First disbursed
5/9/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Security Bank · Lender record →
Your business? Claim this record · Request removal
JDunn Ventures LLC in Wichita, KS — $339K (2025) · Emprise Bank
Program
Preferred Lenders Program
Rate at approval
7.42% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$254K (75%)
Approval → funding
19 days
Approved
6/5/2025
First disbursed
6/24/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Emprise Bank · Lender record →
Your business? Claim this record · Request removal
Arch City Investment Group in Maryland Heights, MO — $300K (2025) · New Frontier Bank
Program
7a General
Rate at approval
9.5% variable
Term
84 mo (7 yrs)
SBA guaranteed
$225K (75%)
Approved
8/22/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by New Frontier Bank
Your business? Claim this record · Request removal
Arch City Investment Group in Saint Peters, MO — $300K (2025) · New Frontier Bank
Program
7a General
Rate at approval
9.5% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
29 days
Approved
3/26/2025
First disbursed
4/24/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by New Frontier Bank
Your business? Claim this record · Request removal
Arch City Investment Group in Maryland Heights, MO — $800K (2024) · New Frontier Bank
Program
7a General
Rate at approval
10.5% variable
Term
72 mo (6 yrs)
SBA guaranteed
$600K (75%)
Approved
8/7/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by New Frontier Bank
Your business? Claim this record · Request removal
Dharmi LLC in Bonner Springs, KS — $350K (2023) · Small Business Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
2 days
Approved
10/26/2022
First disbursed
10/28/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
19
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Small Business Bank
Your business? Claim this record · Request removal
ST THOMAS LLC in Olathe, KS — $291K (2022) · UMB Bank, National Association
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
119 months
SBA guaranteed
$218K (75%)
Approval → funding
15 days
Approved
7/20/2022
First disbursed
8/4/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by UMB Bank, National Association · Lender record →
Your business? Claim this record · Request removal
VIEQUES LLC in Leavenworth, KS — $385K (2021) · purchase · UMB Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$289K (75%)
Approval → funding
79 days
Approved
12/23/2020
First disbursed
3/12/2021
Loan status
Paid in full (3/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$428K
Est. down payment (10%)
$43K
Est. cash at closing
$57K
Monthly payment
$4,131
Annual debt service
$50K
Cash flow needed (1.25×)
$62K
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 UMB Bank, National Association · Lender record →
Your business? Claim this record · Request removal
ST JOHN LLC in Manhattan, KS — $250K (2021) · UMB Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
119 months
SBA guaranteed
$225K (90%)
Approval → funding
4 days
Approved
6/4/2021
First disbursed
6/8/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by UMB Bank, National Association · Lender record →
Your business? Claim this record · Request removal
CULEBRA LLC in Olathe, KS — $230K (2021) · purchase · UMB Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
119 months
SBA guaranteed
$207K (90%)
Approval → funding
2 days
Approved
6/8/2021
First disbursed
6/10/2021
Loan status
Paid in full (6/30/2025)
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
$256K
Est. down payment (10%)
$26K
Est. cash at closing
$34K
Monthly payment
$2,483
Annual debt service
$30K
Cash flow needed (1.25×)
$37K
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 UMB Bank, National Association · Lender record →
Your business? Claim this record · Request removal
BEC INVESTMENTS, LLC in Saint Paul, MN — $207K (2021) · purchase · BankVista
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$156K (75%)
Approval → funding
24 days
Approved
11/6/2020
First disbursed
11/30/2020
Loan status
Paid in full (2/28/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$230K
Est. down payment (10%)
$23K
Est. cash at closing
$31K
Monthly payment
$2,225
Annual debt service
$27K
Cash flow needed (1.25×)
$33K
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 BankVista · Lender record →
Your business? Claim this record · Request removal
Goodcents Chesterfield in Chesterfield, MO — $213K (2020) · purchase · Midwest Regional Bank
Program
7a General
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$181K (85%)
Approval → funding
311 days
Approved
1/24/2020
First disbursed
11/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$237K
Est. down payment (10%)
$24K
Est. cash at closing
$32K
Monthly payment
$2,528
Annual debt service
$30K
Cash flow needed (1.25×)
$38K
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 Midwest Regional Bank · Lender record →
Your business? Claim this record · Request removal
Fjellestad Investments, LLC in Sioux Falls, SD — $100K (2020) · First PREMIER Bank
Program
7a General
Rate at approval
6.5% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$85K (85%)
Approval → funding
33 days
Approved
10/28/2019
First disbursed
11/30/2019
Loan status
Paid in full (2/28/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by First PREMIER Bank
Your business? Claim this record · Request removal

Buying a Goodcents? 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 Goodcents businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Goodcents 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. UMB Bank, National Association funds the most. CapBench is not a lender.

$300K typical Goodcents loan
8 lenders fund the brand
24 days typical to fund

Buyers researching a Goodcents 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 Goodcents 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/goodcents
API:: https://www.capbench.com/api/public/lenders?franchise=goodcents
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.