Food & Restaurants · lender intelligence

How to finance a Over Easy

State:

The SBA 7(a) lenders funding the most Over Easy deals, ranked from public loan records — typical Over Easy loan about $1.4M. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Over Easy

$1.36M

Typical loan

range $1.36M–$1.36M

$1.51M

Est. purchase price

≈ loan ÷ 90%

$206,845

Cash to close

$150,811 down + fees

$17,563/mo

Typical payment

~9.5% · 10yr

$242,369/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

Lenders competing

more = leverage

7.5%

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 Over Easy

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

1.9 loans · $3M · Sioux Falls, SDFull record →

1+ funded Over Easy 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.

Rays for Days LLC in Sioux Falls, SD — $1.4M (2026) · The First National Bank in Sioux Falls
Program
7a General
Rate at approval
7.5% fixed
Term
125 months
SBA guaranteed
$1.0M (75%)
Approved
3/5/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The First National Bank in Sioux Falls · Lender record →
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Buying a Over Easy? 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.

Free · No documents · Usually same-day

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.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Over Easy businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Over Easy 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 First National Bank in Sioux Falls funds the most. CapBench is not a lender.

$1.4M typical Over Easy loan
1 lenders fund the brand

Buyers researching a Over Easy 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 Over Easy 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/over-easy
API:: https://www.capbench.com/api/public/lenders?franchise=over-easy
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.