Food & Restaurants · lender intelligence

How to finance a Pepper Lunch

State:

The SBA 7(a) lenders funding the most Pepper Lunch deals, ranked from public loan records — typical Pepper Lunch loan about $648K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Pepper Lunch

$648K

Typical loan

range $648K–$648K

$720K

Est. purchase price

≈ loan ÷ 90%

$96,300

Cash to close

$72,000 down + fees

$8,385/mo

Typical payment

~9.5% · 10yr

$115,713/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

Lenders competing

more = leverage

9.5%

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 Pepper Lunch

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

1.102 loans · $119M · Saint Petersburg, FLFull record →

1+ funded Pepper Lunch 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.

Seventh & Monroe LLC in Oregon City, OR — $648K (2026) · Climate First Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
126 months
SBA guaranteed
$486K (75%)
Approved
2/18/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Climate First Bank · Lender record →
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Buying a Pepper Lunch? 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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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 Pepper Lunch businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Pepper Lunch 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. Climate First Bank funds the most. CapBench is not a lender.

$648K typical Pepper Lunch loan
1 lenders fund the brand

Buyers researching a Pepper Lunch 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 Pepper Lunch 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/pepper-lunch
API:: https://www.capbench.com/api/public/lenders?franchise=pepper-lunch
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.