Food & Restaurants · lender intelligence
How to finance a Huddle House
The SBA 7(a) lenders funding the most Huddle House deals, ranked from public loan records — typical Huddle House loan about $2.0M. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Huddle House
$2.02M
Typical loan
range $1.60M–$2.11M
$2.25M
Est. purchase price
≈ loan ÷ 90%
$309,674
Cash to close
$224,889 down + fees
$26,190/mo
Typical payment
~9.5% · 10yr
$361,422/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
18 days
Typical time to fund
4
Lenders competing
more = leverage
5.6%
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 Huddle House
Ranked by funded Huddle House loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.318 loans · $229M · Osage Beach, MOFull record →
- 2.868 loans · $362M · Salt Lake City, UTFull record →
- 3.7 loans · $1M · Mattoon, ILFull record →
- 4.1 loans · $0M · Zebulon, GAFull record →
5+ funded Huddle House 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.
- Carson Michael Restaurants, LLC in Decatur, IL — $2.2M (2022) · First Mid Bank & Trust, National Association
- Program
- 7a General
- Rate at approval
- 5.25% variable
- Term
- 241 months
- SBA guaranteed
- $1.6M (75%)
- Approval → funding
- 34 days
- Approved
- 7/14/2022
- First disbursed
- 8/17/2022
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by First Mid Bank & Trust, National Association · Lender record →
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- HH Cleveland LLC in Cleveland, GA — $2.1M (2022) · purchase · United Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $1.6M (75%)
- Approval → funding
- 20 days
- Approved
- 2/8/2022
- First disbursed
- 2/28/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 30
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $2.3M
- Est. down payment (10%)
- $235K
- Est. cash at closing
- $323K
- Monthly payment
- $14,238
- Annual debt service
- $171K
- Cash flow needed (1.25×)
- $214K
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 United Bank · Lender record →
Your business? Claim this record · Request removal
- S&K Brothers Inc in Jasper, TN — $2.0M (2021) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $1.8M (90%)
- Approval → funding
- 15 days
- Approved
- 2/18/2021
- First disbursed
- 3/5/2021
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 56
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- Huddle House Store 1094, LLC in Andrews, TX — $1.6M (2021) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 287 months
- SBA guaranteed
- $1.4M (90%)
- Approval → funding
- 18 days
- Approved
- 5/10/2021
- First disbursed
- 5/28/2021
- 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
- 25
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
- Huddle House in Centreville, AL — $660K (2021) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 126 months
- SBA guaranteed
- $594K (90%)
- Approval → funding
- 5 days
- Approved
- 6/24/2021
- First disbursed
- 6/29/2021
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Buying a Huddle House? 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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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 loans to Huddle House businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Huddle House 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. First Bank of the Lake funds the most. CapBench is not a lender.
- $2.0M typical Huddle House loan
- 4 lenders fund the brand
- 18 days typical to fund
Buyers researching a Huddle House 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.