Food & Restaurants · lender intelligence
How to finance a Menchie's
The SBA 7(a) lenders funding the most Menchie's deals, ranked from public loan records — typical Menchie's loan about $250K, 0% failure rate across 39 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Menchie's
$250K
Typical loan
range $40K–$350K
$278K
Est. purchase price
≈ loan ÷ 90%
$37,153
Cash to close
$27,778 down + fees
$3,659/mo
Typical payment
~12.5% · 10yr
$50,494/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
27 days
Typical time to fund
16
Lenders competing
more = leverage
10.08%
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 Menchie's
Ranked by funded Menchie's 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 →
- 2.46 loans · $47M · Asheville, NCFull record →
- 3.149 loans · $135M · Mukwonago, WIFull record →
- 4.83 loans · $31M · Sandy, UTFull record →
- 5.40 loans · $41M · La Jolla, CAFull record →
- 6.24 loans · $9M · Logan, UTFull record →
- 7.5 loans · $16M · Humble, TXFull record →
- 8.2 loans · $1M · Crystal Lake, ILFull record →
- 9.70 loans · $22M · Melrose, MNFull record →
- 10.1,927 loans · $207M · Buffalo, NYFull record →
- 11.104 loans · $100M · Portsmouth, VAFull record →
- 12.618 loans · $171M · Salt Lake City, UTFull record →
- 13.154 loans · $26M · San Diego, CAFull record →
- 14.13 loans · $18M · Roseburg, ORFull record →
39+ funded Menchie's 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.
- Life Saving Organics LLC in Frisco, TX — $350K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 2/25/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- 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
- Menchie's Crystal Lake in Crystal Lake, IL — $350K (2026) · Home State Bank, National Association
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 3/4/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Home State Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- SL SWIRLZ LLC in Fontana, CA — $40K (2026) · U.S. Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.99% fixed
- Term
- 48 mo (4 yrs)
- SBA guaranteed
- $20K (50%)
- Approval → funding
- 1 days
- Approved
- 11/13/2025
- First disbursed
- 11/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Superior Frozen Yogurt LLC in Superior, CO — $493K (2025) · Zions Bank, A Division of
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $370K (75%)
- Approval → funding
- 29 days
- Approved
- 10/22/2024
- First disbursed
- 11/20/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 19
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
- Menchie's Granite Bay in Granite Bay, CA — $330K (2025) · HomeTrust Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 124 months
- SBA guaranteed
- $248K (75%)
- Approval → funding
- 71 days
- Approved
- 9/28/2025
- First disbursed
- 12/8/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
- Alpine Enterprises LLC in Manteca, CA — $293K (2025) · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 123 months
- SBA guaranteed
- $220K (75%)
- Approval → funding
- 18 days
- Approved
- 5/29/2025
- First disbursed
- 6/16/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Magnifi Financial CU · Lender record →
Your business? Claim this record · Request removal
- Menchie's Frozen Yogurt in Fort Worth, TX — $144K (2025) · HomeTrust Bank
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $122K (85%)
- Approval → funding
- 27 days
- Approved
- 1/29/2025
- First disbursed
- 2/25/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
- PM ONE LLC in Canton, MI — $634K (2024) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $476K (75%)
- Approval → funding
- 8 days
- Approved
- 5/2/2024
- First disbursed
- 5/10/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $704K
- Est. down payment (10%)
- $70K
- Est. cash at closing
- $94K
- Monthly payment
- $8,733
- Annual debt service
- $105K
- Cash flow needed (1.25×)
- $131K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- DA Yogurt LLC in Philadelphia, PA — $510K (2024) · purchase · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $383K (75%)
- Approval → funding
- 40 days
- Approved
- 12/15/2023
- First disbursed
- 1/24/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $567K
- Est. down payment (10%)
- $57K
- Est. cash at closing
- $76K
- Monthly payment
- $7,103
- Annual debt service
- $85K
- Cash flow needed (1.25×)
- $107K
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 Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- Longhorn Yogurt UTC LLC in Sarasota, FL — $500K (2024) · purchase · TowneBank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.5% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 20 days
- Approved
- 2/27/2024
- First disbursed
- 3/18/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $556K
- Est. down payment (10%)
- $56K
- Est. cash at closing
- $74K
- Monthly payment
- $8,693
- Annual debt service
- $104K
- Cash flow needed (1.25×)
- $130K
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 TowneBank · Lender record →
Your business? Claim this record · Request removal
- BadDaddy Enterprises Inc. in Ogden, UT — $430K (2024) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 123 months
- SBA guaranteed
- $322K (75%)
- Approval → funding
- 14 days
- Approved
- 10/2/2023
- First disbursed
- 10/16/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- Froyo of Idaho LLC in Meridian, ID — $354K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $266K (75%)
- Approval → funding
- 5 days
- Approved
- 7/17/2024
- First disbursed
- 7/22/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- 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
- Menchie's Frozen Yogurt in Euless, TX — $331K (2024) · purchase · HomeTrust Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $248K (75%)
- Approval → funding
- 10 days
- Approved
- 6/18/2024
- First disbursed
- 6/28/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $368K
- Est. down payment (10%)
- $37K
- Est. cash at closing
- $49K
- Monthly payment
- $4,466
- Annual debt service
- $54K
- Cash flow needed (1.25×)
- $67K
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 HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
- PENNINGTON ENDEAVORS LLC in Norman, OK — $320K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $240K (75%)
- Approval → funding
- 60 days
- Approved
- 3/23/2024
- First disbursed
- 5/22/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- 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
- Froyo of Idaho LLC in Meridian, ID — $286K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $215K (75%)
- Approved
- 10/5/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- 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
- AGT Yogurt LLC in Fresno, CA — $257K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $193K (75%)
- Approval → funding
- 34 days
- Approved
- 11/2/2023
- First disbursed
- 12/6/2023
- 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
- Blue Ridge Innovation, Inc. in Oceanside, CA — $246K (2024) · U.S. Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.95% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $184K (75%)
- Approval → funding
- 42 days
- Approved
- 9/26/2024
- First disbursed
- 11/7/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- EL RANCHO MCGINNO LLC in El Cajon, CA — $197K (2024) · CalPrivate Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $148K (75%)
- Approval → funding
- 13 days
- Approved
- 11/22/2023
- First disbursed
- 12/5/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by CalPrivate Bank · Lender record →
Your business? Claim this record · Request removal
- EL RANCHO MCGINNO LLC in El Cajon, CA — $197K (2024) · CalPrivate Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $148K (75%)
- Approval → funding
- 13 days
- Approved
- 11/22/2023
- First disbursed
- 12/5/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by CalPrivate Bank · Lender record →
Your business? Claim this record · Request removal
- JS Way Enterprise LLC in High Point, NC — $150K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 192 days
- Approved
- 5/14/2024
- First disbursed
- 11/22/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- New Business or 2 years or less
- Industry
- Food Service Contractors
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Menchie's? 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 Menchie's businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Menchie's 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.
- $250K typical Menchie's loan
- 0% failure rate (FY20–23)
- 16 lenders fund the brand
- 27 days typical to fund
Buyers researching a Menchie's 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.