Food & Restaurants · lender intelligence

How to finance a Guthrie's

State:

The SBA 7(a) lenders funding the most Guthrie's deals, ranked from public loan records — typical Guthrie's loan about $657K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Guthrie's

$657K

Typical loan

range $593K–$1.07M

$730K

Est. purchase price

≈ loan ÷ 90%

$97,638

Cash to close

$73,000 down + fees

$8,501/mo

Typical payment

~9.5% · 10yr

$117,314/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

11 days

Typical time to fund

Lenders competing

more = leverage

8.36%

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 Guthrie's

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.32 loans · $54M · Tupelo, MSFull record →
3.78 loans · $53M · Birmingham, ALFull record →
4.105 loans · $164M · Brookline, MAFull record →
5.5 loans · $11M · Birmingham, ALFull record →

7+ funded Guthrie's 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.

Chicken Legacy, LLC in Trussville, AL — $657K (2025) · purchase · ServisFirst Bank
Program
7a General
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$493K (75%)
Approval → funding
22 days
Approved
11/12/2024
First disbursed
12/4/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$730K
Est. down payment (10%)
$73K
Est. cash at closing
$98K
Monthly payment
$8,146
Annual debt service
$98K
Cash flow needed (1.25×)
$122K
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 ServisFirst Bank · Lender record →
Your business? Claim this record · Request removal
Silverback Chick, LLC in Senoia, GA — $593K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$444K (75%)
Approval → funding
10 days
Approved
6/23/2023
First disbursed
7/3/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
34
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Silverback Chick, LLC in Senoia, GA — $50K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
6/23/2023
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
34
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Chicken Dynasty LLC in Trussville, AL — $1.2M (2022) · purchase · Regions Bank
Program
Preferred Lenders Program
Rate at approval
8.99% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$900K (75%)
Approval → funding
11 days
Approved
5/23/2022
First disbursed
6/3/2022
Loan status
Paid in full (12/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$133K
Est. cash at closing
$183K
Monthly payment
$10,062
Annual debt service
$121K
Cash flow needed (1.25×)
$151K
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 Regions Bank · Lender record →
Your business? Claim this record · Request removal
Gut RBC LLC in Rainbow City, AL — $635K (2022) · purchase · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
214 months
SBA guaranteed
$476K (75%)
Approval → funding
8 days
Approved
8/24/2022
First disbursed
9/1/2022
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
24
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$706K
Est. down payment (10%)
$71K
Est. cash at closing
$94K
Monthly payment
$5,579
Annual debt service
$67K
Cash flow needed (1.25×)
$84K
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 Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Southern Deli Peachtree City LLC in Peachtree City, GA — $1.1M (2021) · Renasant Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$965K (90%)
Approved
8/11/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
170
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Renasant Bank · Lender record →
Your business? Claim this record · Request removal
Southern Deli-Fayetteville, LLC in Fayetteville, GA — $1.0M (2021) · Renasant Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$917K (90%)
Approved
8/11/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
170
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Renasant Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Guthrie's? 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 Guthrie's businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Guthrie's 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. The Huntington National Bank funds the most. CapBench is not a lender.

$657K typical Guthrie's loan
5 lenders fund the brand
11 days typical to fund

Buyers researching a Guthrie's 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 Guthrie's 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/guthrie-s
API:: https://www.capbench.com/api/public/lenders?franchise=guthrie-s
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.