Food & Restaurants · lender intelligence

How to finance a Keke's Breakfast Café

State:

The SBA 7(a) lenders funding the most Keke's Breakfast Café deals, ranked from public loan records — typical Keke's Breakfast Café loan about $1.3M. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Keke's Breakfast Café

$1.25M

Typical loan

range $800K–$1.91M

$1.39M

Est. purchase price

≈ loan ÷ 90%

$190,452

Cash to close

$138,889 down + fees

$16,175/mo

Typical payment

~9.5% · 10yr

$223,215/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

20 days

Typical time to fund

Lenders competing

more = leverage

8.05%

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 Keke's Breakfast Café

Ranked by funded Keke's Breakfast Café 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 →
2.242 loans · $281M · Chicago, ILFull record →
3.33 loans · $15M · Minneapolis, MNFull record →
4.6 loans · $6M · Conway, ARFull record →

5+ funded Keke's Breakfast Café 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.

PAL 1 LLC in Clermont, FL — $350K (2026) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
42 days
Approved
1/12/2026
First disbursed
2/23/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Barnabei Restaurant Group LLC in Port Saint Lucie, FL — $1.3M (2024) · iTHINK Financial CU
Program
7a General
Rate at approval
11.25% variable
Term
128 months
SBA guaranteed
$938K (75%)
Approval → funding
108 days
Approved
12/19/2023
First disbursed
4/5/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
35
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by iTHINK Financial CU
Your business? Claim this record · Request removal
Four Fathers LLC in Windermere, FL — $4.6M (2022) · purchase · CRF Small Business Loan Company, LLC
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.5M (75%)
Approval → funding
9 days
Approved
12/8/2021
First disbursed
12/17/2021
Loan status
Paid in full (6/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
135
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$5.1M
Est. down payment (10%)
$511K
Est. cash at closing
$707K
Monthly payment
$51,069
Annual debt service
$613K
Cash flow needed (1.25×)
$766K
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 CRF Small Business Loan Company, LLC · Lender record →
Your business? Claim this record · Request removal
Second K Cafe, Inc. in Ormond Beach, FL — $800K (2022) · Centennial Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
126 months
SBA guaranteed
$600K (75%)
Approval → funding
5 days
Approved
3/31/2022
First disbursed
4/5/2022
Loan status
Paid in full (2/28/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
60
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Centennial Bank · Lender record →
Your business? Claim this record · Request removal
SRG Breakfast Cafe 2 LLC in Altamonte Springs, FL — $1.9M (2020) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
20 days
Approved
12/11/2019
First disbursed
12/31/2019
Loan status
Paid in full (8/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Industry
Full-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Keke's Breakfast Café? 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 Keke's Breakfast Café businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Keke's Breakfast Café 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.

$1.3M typical Keke's Breakfast Café loan
5 lenders fund the brand
20 days typical to fund

Buyers researching a Keke's Breakfast Café 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 Keke's Breakfast Café 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/keke-s-breakfast-caf
API:: https://www.capbench.com/api/public/lenders?franchise=keke-s-breakfast-caf
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.