Food & Restaurants · lender intelligence
How to finance a HotBox Pizza
The SBA 7(a) lenders funding the most HotBox Pizza deals, ranked from public loan records — typical HotBox Pizza loan about $333K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance HotBox Pizza
$333K
Typical loan
range $175K–$610K
$370K
Est. purchase price
≈ loan ÷ 90%
$49,488
Cash to close
$37,000 down + fees
$4,587/mo
Typical payment
~11% · 10yr
$63,301/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
42 days
Typical time to fund
3
Lenders competing
more = leverage
10.54%
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 HotBox Pizza
Ranked by funded HotBox Pizza loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.328 loans · $134M · Cleveland, OHFull record →
- 2.3 loans · $2M · Minneapolis, MNFull record →
- 3.88 loans · $96M · Muncie, INFull record →
4+ funded HotBox Pizza 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.
- Ack Lucas LLC in Columbus, IN — $175K (2026) · Northeast Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $131K (75%)
- Approved
- 3/9/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Northeast Bank · Lender record →
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- 3MS Enterprises LLC in Pendleton, IN — $25K (2026) · KeyBank National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.93% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 11 days
- Approved
- 11/24/2025
- First disbursed
- 12/5/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
- 3MS Enterprises LLC in Pendleton, IN — $333K (2025) · KeyBank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.49% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (75%)
- Approval → funding
- 42 days
- Approved
- 10/23/2024
- First disbursed
- 12/4/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
- Coston Enterprises, Inc in Noblesville, IN — $610K (2023) · purchase · First Merchants Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $458K (75%)
- Approval → funding
- 0 days
- Approved
- 6/14/2023
- First disbursed
- 6/14/2023
- Loan status
- Past due
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 49
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $678K
- Est. down payment (10%)
- $68K
- Est. cash at closing
- $91K
- Monthly payment
- $8,403
- Annual debt service
- $101K
- Cash flow needed (1.25×)
- $126K
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
Buying a HotBox Pizza? 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 HotBox Pizza businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a HotBox Pizza 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. KeyBank National Association funds the most. CapBench is not a lender.
- $333K typical HotBox Pizza loan
- 3 lenders fund the brand
- 42 days typical to fund
Buyers researching a HotBox Pizza 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.