Food & Restaurants · lender intelligence

How to finance a Perkins Restaurant & Bakery

State:

The SBA 7(a) lenders funding the most Perkins Restaurant & Bakery deals, ranked from public loan records — typical Perkins Restaurant & Bakery 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 Perkins Restaurant & Bakery

$1.39M

Typical loan

range $1.32M–$2.57M

$1.54M

Est. purchase price

≈ loan ÷ 90%

$211,210

Cash to close

$153,956 down + fees

$17,929/mo

Typical payment

~9.5% · 10yr

$247,420/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

72 days

Typical time to fund

Lenders competing

more = leverage

7.81%

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 Perkins Restaurant & Bakery

Ranked by funded Perkins Restaurant & Bakery loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.36 loans · $51M · Carmel, INFull record →
2.1 loans · $1M · Greenville, MOFull record →
3.34 loans · $12M · Wood River, NEFull record →
4.129 loans · $234M · New York, NYFull record →

4+ funded Perkins Restaurant & Bakery 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.

Cook Hospitality Group LLC in Poplar Bluff, MO — $1.3M (2026) · Peoples Community Bank
Program
7a General
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$990K (75%)
Approved
3/16/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
81
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Peoples Community Bank · Lender record →
Your business? Claim this record · Request removal
Perky Palace LLC in Great Bend, KS — $2.6M (2025) · purchase · Merchants Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.9M (75%)
Approved
9/24/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
100
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$2.9M
Est. down payment (10%)
$285K
Est. cash at closing
$393K
Monthly payment
$21,540
Annual debt service
$258K
Cash flow needed (1.25×)
$323K
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 Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Topeka Hospitality, L.C. in Topeka, KS — $1.4M (2025) · purchase · Heritage Bank
Program
7a General
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
72 days
Approved
5/13/2025
First disbursed
7/24/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
112
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$154K
Est. cash at closing
$211K
Monthly payment
$17,365
Annual debt service
$208K
Cash flow needed (1.25×)
$260K
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 Heritage Bank · Lender record →
Your business? Claim this record · Request removal
WMW RC Holdings LLC in Winter Park, FL — $859K (2020) · purchase · Port 51 Lending LLC
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$644K (75%)
Approval → funding
35 days
Approved
6/26/2020
First disbursed
7/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
38
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$954K
Est. down payment (10%)
$95K
Est. cash at closing
$131K
Monthly payment
$9,537
Annual debt service
$114K
Cash flow needed (1.25×)
$143K
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 Port 51 Lending LLC · Lender record →
Your business? Claim this record · Request removal

Buying a Perkins Restaurant & Bakery? 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 Perkins Restaurant & Bakery businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Perkins Restaurant & Bakery 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. Merchants Bank of Indiana funds the most. CapBench is not a lender.

$1.4M typical Perkins Restaurant & Bakery loan
4 lenders fund the brand
72 days typical to fund

Buyers researching a Perkins Restaurant & Bakery 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 Perkins Restaurant & Bakery record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-21.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/perkins-restaurant-bakery
API:: https://www.capbench.com/api/public/lenders?franchise=perkins-restaurant-bakery
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.