Food & Restaurants · lender intelligence
How to finance a Guthrie's in Alabama
The SBA 7(a) lenders funding the most Guthrie's deals in Alabama, from public loan records — typical Guthrie's loan about $657K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Guthrie's in Alabama
$657K
Typical loan
range $635K–$1.20M
$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
3
Lenders competing
more = leverage
8.5%
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 Guthrie's in Alabama
Ranked by funded Guthrie's loans in Alabama. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.78 loans · $53M · Birmingham, ALFull record →
- 2.105 loans · $164M · Brookline, MAFull record →
- 3.5 loans · $11M · Birmingham, ALFull record →
3+ funded Guthrie's in Alabama 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
- 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
Buying a Guthrie's in Alabama? 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.
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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 Guthrie's loans with a Alabama project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Guthrie's purchase in Alabama with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Alabama deals. Regions Bank funds the most here. CapBench is not a lender.
- $657K typical Guthrie's loan
- 3 lenders active in Alabama
- 3+ funded Alabama deals
- 11 days typical to fund
Buyers buying a Guthrie's in Alabama 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 2026-06-24.
- 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.