Food & Restaurants · lender intelligence
How to finance a KFC in New York
The SBA 7(a) lenders funding the most KFC deals in New York, from public loan records — typical KFC loan about $653K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance KFC in New York
$3.25M
Typical loan
range $3.25M–$3.25M
$3.61M
Est. purchase price
≈ loan ÷ 90%
$498,767
Cash to close
$361,111 down + fees
$42,054/mo
Typical payment
~9.5% · 10yr
$580,345/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
129 days
Typical time to fund
1
Lenders competing
more = leverage
5.75%
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 in New York
Ranked by funded KFC loans in New York. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.11 loans · $10M · Bedminster, NJFull record →
1+ funded KFC in New York 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.
- 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 →
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Buying a KFC in New York? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — 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 KFC loans with a New York project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a KFC purchase in New York with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded New York deals. Peapack Private Bank and Trust funds the most here. CapBench is not a lender.
- $653K typical KFC loan
- 1 lenders active in New York
- 1+ funded New York deals
- 129 days typical to fund
Buyers buying a KFC in New York typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents 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.