Food & Restaurants · lender intelligence
How to finance a McAlister's Deli
The SBA 7(a) lenders funding the most McAlister's Deli deals, ranked from public loan records — typical McAlister's Deli loan about $955K, 0% failure rate across 25 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance McAlister's Deli
$955K
Typical loan
range $846K–$1.35M
$1.06M
Est. purchase price
≈ loan ÷ 90%
$145,505
Cash to close
$106,111 down + fees
$12,357/mo
Typical payment
~9.5% · 10yr
$170,527/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
20 days
Typical time to fund
14
Lenders competing
more = leverage
7.58%
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 McAlister's Deli
Ranked by funded McAlister's Deli 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 →
- 2.65 loans · $52M · Lancaster, PAFull record →
- 3.318 loans · $229M · Osage Beach, MOFull record →
- 4.2,539 loans · $965M · Columbus, OHFull record →
- 5.1,927 loans · $207M · Buffalo, NYFull record →
- 6.36 loans · $51M · Carmel, INFull record →
- 7.78 loans · $79M · New Orleans, LAFull record →
- 8.62 loans · $34M · Winter Haven, FLFull record →
- 9.34 loans · $57M · Charlotte, NCFull record →
- 10.4 loans · $8M · Kokomo, INFull record →
- 11.83 loans · $31M · Sandy, UTFull record →
- 12.38 loans · $26M · Richmond City, VAFull record →
- 13.28 loans · $42M · Lehi, UTFull record →
- 14.7 loans · $9M · Memphis, TNFull record →
25+ funded McAlister's Deli 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.
- Amazing Food Partners LLC in Bel Air, MD — $1.4M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 129 months
- SBA guaranteed
- $1.0M (75%)
- Approved
- 2/24/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 28
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
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- Heritage Fresh Foods LLC in Frederick, MD — $1.4M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 129 months
- SBA guaranteed
- $1.0M (75%)
- Approved
- 2/26/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
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- LIFES MELODY RESTAURANT MANAGEMENT LLC in Mount Airy, MD — $1.3M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 126 months
- SBA guaranteed
- $938K (75%)
- Approved
- 1/7/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
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- Sunriser Foods LLC in Fairfax, VA — $500K (2026) · purchase · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.65% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (50%)
- Approval → funding
- 4 days
- Approved
- 2/13/2026
- First disbursed
- 2/17/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $556K
- Est. down payment (10%)
- $56K
- Est. cash at closing
- $74K
- Monthly payment
- $6,239
- Annual debt service
- $75K
- Cash flow needed (1.25×)
- $94K
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 →
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- BRAHMA EATERY LLC in Hanover, MD — $1.5M (2025) · Merchants Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $1.2M (75%)
- Approval → funding
- 40 days
- Approved
- 3/14/2025
- First disbursed
- 4/23/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 22
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Merchants Bank of Indiana · Lender record →
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- McALISTER'S DELI in Pensacola, FL — $1.4M (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 126 months
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 16 days
- Approved
- 6/24/2025
- First disbursed
- 7/10/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 40
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
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- PGRP LLC in Mechanicsburg, PA — $1.2M (2025) · Fulton Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 125 months
- SBA guaranteed
- $933K (75%)
- Approval → funding
- 93 days
- Approved
- 6/4/2025
- First disbursed
- 9/5/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Fulton Bank, National Association · Lender record →
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- PGRP LANCASTER LLC in Lancaster, PA — $1.2M (2025) · Fulton Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 125 months
- SBA guaranteed
- $923K (75%)
- Approved
- 6/17/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 46
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Fulton Bank, National Association · Lender record →
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- ALL 4 JMJ, LLC in Sandy, UT — $919K (2025) · Mountain America FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $689K (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
- 41
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Mountain America FCU · Lender record →
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- Patel's Deli Corp LLC in Logansport, IN — $927K (2024) · Community First Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 126 months
- SBA guaranteed
- $695K (75%)
- Approval → funding
- 21 days
- Approved
- 2/22/2024
- First disbursed
- 3/14/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 41
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Community First Bank of Indiana · Lender record →
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- HMP Deli LLC in Hampton, VA — $867K (2023) · Atlantic Union Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $650K (75%)
- Approval → funding
- 20 days
- Approved
- 4/6/2023
- First disbursed
- 4/26/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 40
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Atlantic Union Bank · Lender record →
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- McAlister's Deli in London, KY — $1.9M (2022) · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 246 months
- SBA guaranteed
- $1.4M (75%)
- Approval → funding
- 7 days
- Approved
- 8/11/2022
- First disbursed
- 8/18/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by SouthState Bank, National Association · Lender record →
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- McAlister's Deli in Laramie, WY — $1.9M (2022) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.4M (75%)
- Approval → funding
- 8 days
- Approved
- 5/31/2022
- First disbursed
- 6/8/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 70
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
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- Patriot International Foods Inc in Warrington, PA — $1.3M (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $986K (75%)
- Approval → funding
- 26 days
- Approved
- 9/1/2022
- First disbursed
- 9/27/2022
- Loan status
- Paid in full (5/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 142
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- River Forks LLC in Gainesville, GA — $876K (2022) · Truist Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $657K (75%)
- Approval → funding
- 13 days
- Approved
- 8/26/2022
- First disbursed
- 9/8/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 80
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Truist Bank · Lender record →
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- McAlister's Deli in Laramie, WY — $240K (2022) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $180K (75%)
- Approval → funding
- 8 days
- Approved
- 5/31/2022
- First disbursed
- 6/8/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 70
- 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
- Patriot International Foods Inc in Warrington, PA — $75K (2022) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $38K (50%)
- Approval → funding
- 34 days
- Approved
- 9/1/2022
- First disbursed
- 10/5/2022
- Loan status
- Paid in full (5/31/2024)
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- ATLANTA RESTAURANT GROUP LLC in Fayetteville, GA — $2.1M (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 4.55% variable
- Term
- 306 months
- SBA guaranteed
- $1.9M (90%)
- Approval → funding
- 15 days
- Approved
- 2/2/2021
- First disbursed
- 2/17/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 120
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
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- McAlister's Deli in Troy, AL — $955K (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.4% variable
- Term
- 126 months
- SBA guaranteed
- $860K (90%)
- Approval → funding
- 6 days
- Approved
- 6/3/2021
- First disbursed
- 6/9/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 105
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
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- McAlister's Deli in Harrisburg, PA — $884K (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $796K (90%)
- Approval → funding
- 10 days
- Approved
- 6/7/2021
- First disbursed
- 6/17/2021
- Loan status
- Paid in full (6/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 28
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Buying a McAlister's Deli? 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 McAlister's Deli businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a McAlister's Deli 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.
- $955K typical McAlister's Deli loan
- 0% failure rate (FY20–23)
- 14 lenders fund the brand
- 20 days typical to fund
Buyers researching a McAlister's Deli 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 2026-06-22.
- 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.