Food & Restaurants · lender intelligence

How to finance a Mellow Mushroom

State:

The SBA 7(a) lenders funding the most Mellow Mushroom deals, ranked from public loan records — typical Mellow Mushroom loan about $800K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Mellow Mushroom

$800K

Typical loan

range $275K–$1.66M

$889K

Est. purchase price

≈ loan ÷ 90%

$121,889

Cash to close

$88,889 down + fees

$10,352/mo

Typical payment

~9.5% · 10yr

$142,858/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

12 days

Typical time to fund

Lenders competing

more = leverage

7.72%

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 Mellow Mushroom

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

1.62 loans · $34M · Winter Haven, FLFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.7 loans · $9M · Memphis, TNFull record →
4.46 loans · $47M · Asheville, NCFull record →
5.20 loans · $8M · Saint Petersburg, FLFull record →
6.318 loans · $229M · Osage Beach, MOFull record →
7.9 loans · $13M · Atlanta, GAFull record →
8.7 loans · $11M · Mcleansboro, ILFull record →
9.32 loans · $37M · Champaign, ILFull record →

12+ funded Mellow Mushroom 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.

Mellow Mushroom Danville, VA in Danville, VA — $2.7M (2026) · HomeTrust Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
306 months
SBA guaranteed
$2.0M (75%)
Approved
1/29/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
80
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
Lirich Inc. in Fort Myers, FL — $800K (2026) · Paragon Bank
Program
7a General
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$600K (75%)
Approved
1/16/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
44
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Paragon Bank · Lender record →
Your business? Claim this record · Request removal
BCG BROTHERS LLC in Germantown, TN — $150K (2024) · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
13.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
9 days
Approved
12/24/2023
First disbursed
1/2/2024
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
Pizza Bakers on Ponce, Inc. in Decatur, GA — $150K (2024) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
14.5% variable
Term
100 months
SBA guaranteed
$128K (85%)
Approval → funding
8 days
Approved
12/10/2023
First disbursed
12/18/2023
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Mo Mellow, LLC in Chesterfield, MO — $2.0M (2022) · Peoples National Bank National Association
Program
7a General
Rate at approval
4.875% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.5M (75%)
Approval → funding
14 days
Approved
4/20/2022
First disbursed
5/4/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
40
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Peoples National Bank National Association · Lender record →
Your business? Claim this record · Request removal
Casablanca Inc in Atlanta, GA — $275K (2022) · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
123 months
SBA guaranteed
$206K (75%)
Approval → funding
27 days
Approved
5/4/2022
First disbursed
5/31/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
29
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Mo Mellow, LLC in Chesterfield, MO — $1.7M (2021) · Busey Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
125 months
SBA guaranteed
$1.2M (75%)
Approved
9/15/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
60
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Busey Bank · Lender record →
Your business? Claim this record · Request removal
Mellow Eagle LLC in Stockbridge, GA — $550K (2021) · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
123 months
SBA guaranteed
$495K (90%)
Approval → funding
10 days
Approved
4/20/2021
First disbursed
4/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
45
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Mellow Mushroom in Atlanta, GA — $350K (2021) · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
123 months
SBA guaranteed
$315K (90%)
Approval → funding
12 days
Approved
7/19/2021
First disbursed
7/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
29
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
DAPS South, LLC in Wilder, KY — $1.0M (2020) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$783K (75%)
Approval → funding
5 days
Approved
11/25/2019
First disbursed
11/30/2019
Loan status
Paid in full (12/31/2021)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
45
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Georgia Storm Properties LLC in Peachtree City, GA — $865K (2020) · purchase · Ameris Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$649K (75%)
Approval → funding
29 days
Approved
1/31/2020
First disbursed
2/29/2020
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$961K
Est. down payment (10%)
$96K
Est. cash at closing
$132K
Monthly payment
$9,932
Annual debt service
$119K
Cash flow needed (1.25×)
$149K
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 Ameris Bank · Lender record →
Your business? Claim this record · Request removal
DAPS South, LLC in Wilder, KY — $100K (2020) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approved
11/25/2019
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
45
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Mellow Mushroom? 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 Mellow Mushroom businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Mellow Mushroom 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. SouthState Bank, National Association funds the most. CapBench is not a lender.

$800K typical Mellow Mushroom loan
9 lenders fund the brand
12 days typical to fund

Buyers researching a Mellow Mushroom 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 Mellow Mushroom 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/mellow-mushroom
API:: https://www.capbench.com/api/public/lenders?franchise=mellow-mushroom
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.