Food & Restaurants · lender intelligence

How to finance a Pizza Factory

State:

The SBA 7(a) lenders funding the most Pizza Factory deals, ranked from public loan records — typical Pizza Factory loan about $300K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Pizza Factory

$300K

Typical loan

range $200K–$405K

$333K

Est. purchase price

≈ loan ÷ 90%

$44,583

Cash to close

$33,333 down + fees

$4,133/mo

Typical payment

~11% · 10yr

$57,035/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

25 days

Typical time to fund

Lenders competing

more = leverage

7.54%

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 Pizza Factory

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

1.16 loans · $18M · Chicago, ILFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.149 loans · $135M · Mukwonago, WIFull record →
4.29 loans · $28M · Quincy, CAFull record →
5.28 loans · $25M · Fresno, CAFull record →
6.1 loans · $1M · Cuba, MOFull record →
7.10 loans · $12M · Monterey, CAFull record →
8.138 loans · $276M · Sioux Falls, SDFull record →
9.24 loans · $21M · Raleigh, NCFull record →

12+ funded Pizza Factory 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.

UB LLC in Paradise, CA — $760K (2026) · Monterey County Bank
Program
7a General
Rate at approval
9.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$570K (75%)
Approved
2/23/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by Monterey County Bank · Lender record →
Your business? Claim this record · Request removal
RR Pizza LLC in Port Townsend, WA — $202K (2026) · Peoples Bank
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$152K (75%)
Approval → funding
14 days
Approved
12/9/2025
First disbursed
12/23/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Peoples Bank · Lender record →
Your business? Claim this record · Request removal
It's The Stewarts LLC in Modesto, CA — $420K (2023) · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
125 months
SBA guaranteed
$315K (75%)
Approval → funding
91 days
Approved
9/18/2023
First disbursed
12/18/2023
Loan status
In liquidation
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 Pathward National Association · Lender record →
Your business? Claim this record · Request removal
SAPPHIRE LOMA VISTA, LLC in Clovis, CA — $405K (2023) · FFB Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
123 months
SBA guaranteed
$304K (75%)
Approved
12/6/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by FFB Bank · Lender record →
Your business? Claim this record · Request removal
Marquez Foods LLC in Turlock, CA — $350K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
6 days
Approved
11/3/2022
First disbursed
11/9/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Marquez Foods LLC in Turlock, CA — $25K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
30 days
Approved
11/2/2022
First disbursed
12/2/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Broadwell Industries LLC in Athens, GA — $44K (2022) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
91 months
SBA guaranteed
$38K (85%)
Approval → funding
21 days
Approved
3/16/2022
First disbursed
4/6/2022
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
31
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Broadwell Industries LLC in Athens, GA — $317K (2021) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
83 months
SBA guaranteed
$285K (90%)
Approval → funding
5 days
Approved
7/26/2021
First disbursed
7/31/2021
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
25
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
HAWIIAN BBQ RENO NW INC. in Reno, NV — $300K (2021) · purchase · Plumas Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$270K (90%)
Approval → funding
13 days
Approved
3/19/2021
First disbursed
4/1/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$333K
Est. down payment (10%)
$33K
Est. cash at closing
$45K
Monthly payment
$3,256
Annual debt service
$39K
Cash flow needed (1.25×)
$49K
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 Plumas Bank · Lender record →
Your business? Claim this record · Request removal
Pizza Factory in Shasta Lake, CA — $252K (2021) · North State Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$227K (90%)
Approval → funding
41 days
Approved
8/12/2021
First disbursed
9/22/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Individual
Secondary market
Loan sold to investors
Jobs supported
24
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by North State Bank · Lender record →
Your business? Claim this record · Request removal
Crusty, Inc. in Loomis, CA — $200K (2021) · BMO Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$150K (75%)
Approval → funding
25 days
Approved
11/19/2020
First disbursed
12/14/2020
Loan status
Paid in full (1/31/2023)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
Eric Lombardi in Loomis, CA — $150K (2021) · BMO Bank National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$113K (75%)
Approval → funding
27 days
Approved
12/8/2020
First disbursed
1/4/2021
Loan status
Paid in full (1/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Individual
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a Pizza Factory 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. BMO Bank National Association funds the most. CapBench is not a lender.

$300K typical Pizza Factory loan
9 lenders fund the brand
25 days typical to fund

Buyers researching a Pizza Factory 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 Pizza Factory record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-18.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/pizza-factory
API:: https://www.capbench.com/api/public/lenders?franchise=pizza-factory
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.