Food & Restaurants · lender intelligence

How to finance a KFC

State:

The SBA 7(a) lenders funding the most KFC deals, ranked from public loan records — typical KFC loan about $653K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance KFC

$653K

Typical loan

range $350K–$2.81M

$726K

Est. purchase price

≈ loan ÷ 90%

$97,044

Cash to close

$72,556 down + fees

$8,450/mo

Typical payment

~9.5% · 10yr

$116,610/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

46 days

Typical time to fund

Lenders competing

more = leverage

6.65%

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 KFC

Ranked by funded KFC loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.38 loans · $21M · San Antonio, TXFull record →
2.11 loans · $10M · Bedminster, NJFull record →
3.16 loans · $21M · Las Vegas, NVFull record →
4.2,539 loans · $965M · Columbus, OHFull record →
5.4 loans · $4M · Hauppauge, NYFull record →
6.284 loans · $254M · Cincinnati, OHFull record →
7.24 loans · $21M · Raleigh, NCFull record →
8.1 loans · $0M · City Of Industry, CAFull record →
9.1,296 loans · $1.4B · Wilmington, NCFull record →

10+ funded KFC 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.

Madinah Food LLC in Galveston, TX — $500K (2024) · purchase · Fifth Third Bank
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approved
12/27/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$6,066
Annual debt service
$73K
Cash flow needed (1.25×)
$91K
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 Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
LUCKY DINING INC. in Howell, MI — $350K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$175K (50%)
Approval → funding
29 days
Approved
11/3/2022
First disbursed
12/2/2022
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
25
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
EGP Louisiana LLC in Port Allen, LA — $3.5M (2022) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.6M (75%)
Approval → funding
47 days
Approved
1/28/2022
First disbursed
3/16/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$3.9M
Est. down payment (10%)
$388K
Est. cash at closing
$537K
Monthly payment
$37,498
Annual debt service
$450K
Cash flow needed (1.25×)
$562K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
RO Foods, Inc. in North Richland Hills, TX — $2.8M (2022) · Frost Bank
Program
Preferred Lenders Program
Rate at approval
6.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
280 days
Approved
9/23/2022
First disbursed
6/30/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
75
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Frost Bank · Lender record →
Your business? Claim this record · Request removal
CL Food Enterprises LLC in Baltimore, MD — $653K (2022) · purchase · Dime Community Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$490K (75%)
Approval → funding
41 days
Approved
9/27/2022
First disbursed
11/7/2022
Loan status
Paid in full (1/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
25
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$726K
Est. down payment (10%)
$73K
Est. cash at closing
$97K
Monthly payment
$7,837
Annual debt service
$94K
Cash flow needed (1.25×)
$118K
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 Dime Community Bank · Lender record →
Your business? Claim this record · Request removal
RO Foods, Inc. in North Richland Hills, TX — $250K (2022) · Frost Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.5% variable
Term
84 mo (7 yrs)
SBA guaranteed
$125K (50%)
Approved
9/23/2022
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
75
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Frost Bank · Lender record →
Your business? Claim this record · Request removal
Golden Triangle Enterprises, LLC in La Puente, CA — $200K (2022) · United Pacific Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
84 mo (7 yrs)
SBA guaranteed
$150K (75%)
Approval → funding
18 days
Approved
12/3/2021
First disbursed
12/21/2021
Loan status
Paid in full (6/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by United Pacific Bank · Lender record →
Your business? Claim this record · Request removal
Kotes Management LLC in Merrick, NY — $3.3M (2021) · purchase · Peapack Private Bank and Trust
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.4M (75%)
Approval → funding
129 days
Approved
12/22/2020
First disbursed
4/30/2021
Loan status
Paid in full (5/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
78
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$3.6M
Est. down payment (10%)
$361K
Est. cash at closing
$499K
Monthly payment
$35,675
Annual debt service
$428K
Cash flow needed (1.25×)
$535K
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 Peapack Private Bank and Trust · Lender record →
Your business? Claim this record · Request removal
AVPROP LLC in Auburn, CA — $1.4M (2021) · Meadows Bank
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.3M (90%)
Approval → funding
4 days
Approved
4/26/2021
First disbursed
4/30/2021
Loan status
Paid in full (2/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
95
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Meadows Bank · Lender record →
Your business? Claim this record · Request removal
Rayville KFC LLC in Rayville, LA — $603K (2020) · North State Bank
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
126 months
SBA guaranteed
$452K (75%)
Approval → funding
46 days
Approved
1/14/2020
First disbursed
2/29/2020
Loan status
Paid in full (7/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by North State Bank · Lender record →
Your business? Claim this record · Request removal

Buying a KFC? Start with a lender that has funded the brand

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to KFC businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a KFC 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. Frost Bank funds the most. CapBench is not a lender.

$653K typical KFC loan
9 lenders fund the brand
46 days typical to fund

Buyers researching a KFC 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 KFC 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/kfc
API:: https://www.capbench.com/api/public/lenders?franchise=kfc
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.