Food & Restaurants · lender intelligence
How to finance a Jack in the Box
The SBA 7(a) lenders funding the most Jack in the Box deals, ranked from public loan records — typical Jack in the Box loan about $2.6M. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Jack in the Box
$2.63M
Typical loan
range $2.50M–$2.63M
$2.92M
Est. purchase price
≈ loan ÷ 90%
$403,141
Cash to close
$292,222 down + fees
$34,032/mo
Typical payment
~9.5% · 10yr
$469,642/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
62 days
Typical time to fund
2
Lenders competing
more = leverage
8%
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 Jack in the Box
Ranked by funded Jack in the Box loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.36 loans · $51M · Carmel, INFull record →
2+ funded Jack in the Box 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.
- TWINS HOSPITALITY QSR, INC in Battle Creek, MI — $2.6M (2025) · Merchants Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $2.0M (75%)
- Approval → funding
- 62 days
- Approved
- 9/24/2025
- First disbursed
- 11/25/2025
- 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 Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
- JIB JOLIET, LLC in Joliet, IL — $2.5M (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6.5% variable
- Term
- 306 months
- SBA guaranteed
- $1.9M (75%)
- Approval → funding
- 28 days
- Approved
- 8/25/2025
- First disbursed
- 9/22/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Buying a Jack in the Box? 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 Jack in the Box businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Jack in the Box 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. Live Oak Banking Company funds the most. CapBench is not a lender.
- $2.6M typical Jack in the Box loan
- 2 lenders fund the brand
- 62 days typical to fund
Buyers researching a Jack in the Box 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.