Food & Restaurants · lender intelligence

How to finance a Panchero's

State:

The SBA 7(a) lenders funding the most Panchero's deals, ranked from public loan records — typical Panchero's loan about $667K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Panchero's

$667K

Typical loan

range $388K–$744K

$741K

Est. purchase price

≈ loan ÷ 90%

$99,109

Cash to close

$74,100 down + fees

$8,630/mo

Typical payment

~9.5% · 10yr

$119,094/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

6 days

Typical time to fund

Lenders competing

more = leverage

5.24%

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 Panchero's

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

1.22 loans · $3M · Fayetteville, ARFull record →
2.4 loans · $0M · Morton, ILFull record →
3.85 loans · $36M · Waterbury, CTFull record →

4+ funded Panchero'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.

PMG of Quincy LLC in Quincy, IL — $744K (2023) · Arvest Bank
Program
Preferred Lenders Program
Rate at approval
6.95% variable
Term
120 mo (10 yrs)
SBA guaranteed
$558K (75%)
Approval → funding
2 days
Approved
6/28/2023
First disbursed
6/30/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Arvest Bank · Lender record →
Your business? Claim this record · Request removal
HHB OF SOMERRSET INC in Somerset, MA — $667K (2021) · Webster Bank National Association
Program
Preferred Lenders Program
Rate at approval
4% fixed
Term
132 mo (11 yrs)
SBA guaranteed
$600K (90%)
Approval → funding
118 days
Approved
9/16/2021
First disbursed
1/12/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
43
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Webster Bank National Association · Lender record →
Your business? Claim this record · Request removal
Insight Marketing Consulting, LLC in Marlton, NJ — $388K (2021) · Parke Bank
Program
7a General
Rate at approval
5.5% variable
Term
126 months
SBA guaranteed
$349K (90%)
Approved
8/4/2021
Loan status
Cancelled
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 Parke Bank
Your business? Claim this record · Request removal
Little Llama, LLC in Peoria, IL — $100K (2021) · Morton Community Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.5% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
6 days
Approved
7/20/2021
First disbursed
7/26/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
31
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Morton Community Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Panchero's? 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 Panchero's businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Panchero'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. Arvest Bank funds the most. CapBench is not a lender.

$667K typical Panchero's loan
4 lenders fund the brand
6 days typical to fund

Buyers researching a Panchero'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.

Next steps

Pre-qualify this deal Talk to a loan broker Panchero's 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/panchero-s
API:: https://www.capbench.com/api/public/lenders?franchise=panchero-s
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.