Food & Restaurants · lender intelligence
How to finance a Lean Kitchen
The SBA 7(a) lenders funding the most Lean Kitchen deals, ranked from public loan records — typical Lean Kitchen loan about $292K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Lean Kitchen
$292K
Typical loan
range $50K–$325K
$324K
Est. purchase price
≈ loan ÷ 90%
$43,321
Cash to close
$32,389 down + fees
$4,015/mo
Typical payment
~11% · 10yr
$55,407/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
22 days
Typical time to fund
6
Lenders competing
more = leverage
9.39%
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 Lean Kitchen
Ranked by funded Lean Kitchen loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.10 loans · $3M · Perryville, MOFull record →
- 3.70 loans · $22M · Melrose, MNFull record →
- 4.318 loans · $229M · Osage Beach, MOFull record →
- 5.1 loans · $0M · Columbia, SCFull record →
- 6.129 loans · $234M · New York, NYFull record →
14+ funded Lean Kitchen 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.
- Mirant Limited Liability Company in Bentonville, AR — $276K (2026) · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 123 months
- SBA guaranteed
- $207K (75%)
- Approval → funding
- 48 days
- Approved
- 11/13/2025
- First disbursed
- 12/31/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Magnifi Financial CU · Lender record →
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- Queen City Lean, LLC in Charlotte, NC — $517K (2025) · Business Development Corporation of South Carolina
- Program
- 7a General
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $388K (75%)
- Approval → funding
- 76 days
- Approved
- 6/7/2025
- First disbursed
- 8/22/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Business Development Corporation of South Carolina · Lender record →
Your business? Claim this record · Request removal
- Warren Pease Inc. in Chanhassen, MN — $325K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $244K (75%)
- Approval → funding
- 7 days
- Approved
- 11/19/2024
- First disbursed
- 11/26/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- MARC Norman Enterprise Corporation in Snellville, GA — $325K (2025) · Port 51 Lending LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 126 months
- SBA guaranteed
- $244K (75%)
- Approval → funding
- 17 days
- Approved
- 1/28/2025
- First disbursed
- 2/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Perishable Prepared Food Manufacturing
Funded by Port 51 Lending LLC · Lender record →
Your business? Claim this record · Request removal
- SLHW HOLDINGS LLC in Jacksonville, FL — $316K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $237K (75%)
- Approval → funding
- 41 days
- Approved
- 5/29/2025
- First disbursed
- 7/9/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Caterers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- LEAN KITCHEN COMPANY STUART in Stuart, FL — $292K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 126 months
- SBA guaranteed
- $219K (75%)
- Approval → funding
- 30 days
- Approved
- 3/11/2025
- First disbursed
- 4/10/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- Golden Tiket Meals LLC in Anderson, SC — $186K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $140K (75%)
- Approval → funding
- 3 days
- Approved
- 2/11/2025
- First disbursed
- 2/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- SLHW HOLDINGS LLC in Jacksonville, FL — $50K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 5/29/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Caterers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Warren Pease Inc. in Chanhassen, MN — $20K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $10K (50%)
- Approval → funding
- 249 days
- Approved
- 11/19/2024
- First disbursed
- 7/26/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- JCP Meals, LLC in Mckinney, TX — $340K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $255K (75%)
- Approval → funding
- 5 days
- Approved
- 6/21/2023
- First disbursed
- 6/26/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- JCP Meals, LLC in Mckinney, TX — $25K (2023) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 6/21/2023
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Golden Ticket Meals, Corp in Spartanburg, SC — $307K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $230K (75%)
- Approval → funding
- 22 days
- Approved
- 3/15/2022
- First disbursed
- 4/6/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Golden Ticket Meals, Corp in Spartanburg, SC — $25K (2022) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 6 days
- Approved
- 3/31/2022
- First disbursed
- 4/6/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- HUNDRED ACRE WOOD INC in Springfield, MO — $67K (2021) · The Bank of Missouri
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $60K (90%)
- Approval → funding
- 14 days
- Approved
- 2/26/2021
- First disbursed
- 3/12/2021
- Loan status
- Paid in full (10/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 18
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Personal Services
Funded by The Bank of Missouri · Lender record →
Your business? Claim this record · Request removal
Buying a Lean Kitchen? 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 Lean Kitchen businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Lean Kitchen 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. The Huntington National Bank funds the most. CapBench is not a lender.
- $292K typical Lean Kitchen loan
- 6 lenders fund the brand
- 22 days typical to fund
Buyers researching a Lean Kitchen 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.