Food & Restaurants · lender intelligence

How to finance a Pizza Ranch

State:

The SBA 7(a) lenders funding the most Pizza Ranch deals, ranked from public loan records — typical Pizza Ranch loan about $672K, 0% failure rate across 25 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

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

$672K

Typical loan

range $150K–$1.75M

$747K

Est. purchase price

≈ loan ÷ 90%

$99,867

Cash to close

$74,667 down + fees

$8,696/mo

Typical payment

~9.5% · 10yr

$120,005/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

21 days

Typical time to fund

Lenders competing

more = leverage

7.09%

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 Ranch

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

1.88 loans · $96M · Muncie, INFull record →
2.4 loans · $2M · Dallas, TXFull record →
3.318 loans · $229M · Osage Beach, MOFull record →
4.1 loans · $0M · Aberdeen, SDFull record →
5.9 loans · $3M · Sioux Falls, SDFull record →
6.1 loans · $1M · Sac City, IAFull record →
7.2 loans · $3M · Marshfield, WIFull record →
8.2 loans · $0M · Pine Bluff, ARFull record →
9.1 loans · $0M · St. Louis, MOFull record →
10.11 loans · $6M · Oostburg, WIFull record →
11.1 loans · $0M · Ooltewah, TNFull record →

25+ funded Pizza Ranch 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.

Springs Pizza Ranch in Colorado Springs, CO — $3.4M (2025) · First Merchants Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
129 months
SBA guaranteed
$2.5M (75%)
Approval → funding
138 days
Approved
5/29/2025
First disbursed
10/14/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
105
Business age
Startup, Loan Funds will Open Business
Industry
Cafeterias, Grill Buffets, and Buffets
Funded by First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
NAKE INC. in Clarksville, TN — $2.7M (2025) · First Merchants Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
129 months
SBA guaranteed
$2.0M (75%)
Approval → funding
134 days
Approved
5/19/2025
First disbursed
9/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Cafeterias, Grill Buffets, and Buffets
Funded by First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
Pizza Ranch of Paducah in Paducah, KY — $2.4M (2025) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
132 mo (11 yrs)
SBA guaranteed
$1.8M (75%)
Approval → funding
56 days
Approved
1/23/2025
First disbursed
3/20/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
62
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Mason City PR, Inc. in Mason City, IA — $995K (2024) · Iowa State Bank
Program
7a General
Rate at approval
8.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$746K (75%)
Approved
12/22/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
29
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Iowa State Bank · Lender record →
Your business? Claim this record · Request removal
5G Pizza Ranch LLC in Pueblo, CO — $890K (2024) · First Merchants Bank
Program
7a General
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$668K (75%)
Approval → funding
36 days
Approved
11/16/2023
First disbursed
12/22/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
38
Business age
Existing or more than 2 years old
Industry
Cafeterias, Grill Buffets, and Buffets
Funded by First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
Nichols 11 LLC in Emporia, KS — $694K (2024) · Sunflower Bank National Association
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
254 months
SBA guaranteed
$521K (75%)
Approval → funding
260 days
Approved
5/16/2024
First disbursed
1/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
35
Business age
Existing or more than 2 years old
Industry
Cafeterias, Grill Buffets, and Buffets
Funded by Sunflower Bank National Association · Lender record →
Your business? Claim this record · Request removal
Hershey Homestead Inc in Independence, IA — $470K (2024) · purchase · Community Bank of Oelwein
Program
7a General
Rate at approval
9% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$329K (70%)
Approval → funding
21 days
Approved
9/18/2024
First disbursed
10/9/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
37
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$522K
Est. down payment (10%)
$52K
Est. cash at closing
$70K
Monthly payment
$7,557
Annual debt service
$91K
Cash flow needed (1.25×)
$113K
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 Community Bank of Oelwein
Your business? Claim this record · Request removal
Hershey Ranch Inc. in Oelwein, IA — $149K (2024) · Community Bank of Oelwein
Program
7a General
Rate at approval
9% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$127K (85%)
Approval → funding
26 days
Approved
7/18/2024
First disbursed
8/13/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
37
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Community Bank of Oelwein
Your business? Claim this record · Request removal
B6 Ranch Cottleville LLC in Cottleville, MO — $4.1M (2023) · First Merchants Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
129 months
SBA guaranteed
$3.1M (75%)
Approval → funding
17 days
Approved
12/13/2022
First disbursed
12/30/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
75
Business age
Startup, Loan Funds will Open Business
Industry
Cafeterias, Grill Buffets, and Buffets
Funded by First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
George Washington, LLC in Anthony, KS — $672K (2023) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
184 months
SBA guaranteed
$504K (75%)
Approval → funding
3 days
Approved
10/31/2022
First disbursed
11/3/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
George Washington, LLC in Anthony, KS — $50K (2023) · First Bank of the Lake
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
4 days
Approved
10/31/2022
First disbursed
11/4/2022
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Keshav USA LLC in Shorewood, IL — $2.3M (2022) · Millennium Bank
Program
7a General
Rate at approval
5% variable
Term
318 months
SBA guaranteed
$1.7M (75%)
Approval → funding
49 days
Approved
2/9/2022
First disbursed
3/30/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
21
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Millennium Bank · Lender record →
Your business? Claim this record · Request removal
PR of Mitchell, Inc. in Mitchell, SD — $306K (2022) · The First National Bank in Sioux Falls
Program
7a General
Rate at approval
4.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$229K (75%)
Approval → funding
15 days
Approved
10/6/2021
First disbursed
10/21/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
45
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by The First National Bank in Sioux Falls · Lender record →
Your business? Claim this record · Request removal
BAD Properties, LLC in Pocahontas, IA — $220K (2022) · purchase · United Bank of Iowa
Program
Preferred Lenders Program
Rate at approval
3.75% fixed
Term
261 months
SBA guaranteed
$165K (75%)
Approval → funding
3 days
Approved
1/3/2022
First disbursed
1/6/2022
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$244K
Est. down payment (10%)
$24K
Est. cash at closing
$33K
Monthly payment
$1,234
Annual debt service
$15K
Cash flow needed (1.25×)
$19K
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 United Bank of Iowa
Your business? Claim this record · Request removal
Shala, LLC in Glenwood, MN — $135K (2022) · Dacotah Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5% variable
Term
126 months
SBA guaranteed
$68K (50%)
Approval → funding
14 days
Approved
5/23/2022
First disbursed
6/6/2022
Loan status
Paid in full (12/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
22
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by Dacotah Bank · Lender record →
Your business? Claim this record · Request removal
KASH HOLDING RESTAURANTS LLC in Green Bay, WI — $4.8M (2020) · purchase · First Bank
Program
Preferred Lenders Program
Rate at approval
6.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.6M (75%)
Approval → funding
15 days
Approved
11/15/2019
First disbursed
11/30/2019
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
80
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$5.3M
Est. down payment (10%)
$533K
Est. cash at closing
$737K
Monthly payment
$32,369
Annual debt service
$388K
Cash flow needed (1.25×)
$486K
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 First Bank · Lender record →
Your business? Claim this record · Request removal
WESSCO VENTURES, INC. in Wichita, KS — $1.7M (2020) · Simmons Bank
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.3M (75%)
Approval → funding
70 days
Approved
10/22/2019
First disbursed
12/31/2019
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
95
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Simmons Bank · Lender record →
Your business? Claim this record · Request removal
NickDan LLC in Emporia, KS — $1.3M (2020) · purchase · Sunflower Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.09% variable
Term
300 mo (25 yrs)
SBA guaranteed
$972K (75%)
Approval → funding
19 days
Approved
3/12/2020
First disbursed
3/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
31
Business age
Change of Ownership
Industry
Cafeterias, Grill Buffets, and Buffets
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$144K
Est. cash at closing
$197K
Monthly payment
$7,644
Annual debt service
$92K
Cash flow needed (1.25×)
$115K
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 Sunflower Bank National Association · Lender record →
Your business? Claim this record · Request removal
Krogman Haus Inc. in Marshfield, WI — $1.0M (2020) · Forward Bank
Program
7a General
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$750K (75%)
Approval → funding
46 days
Approved
10/15/2019
First disbursed
11/30/2019
Loan status
Paid in full (11/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Forward Bank · Lender record →
Your business? Claim this record · Request removal
Nichols 11 LLC in Emporia, KS — $528K (2020) · purchase · Sunflower Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.49% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$396K (75%)
Approval → funding
19 days
Approved
3/12/2020
First disbursed
3/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
31
Business age
Change of Ownership
Industry
Cafeterias, Grill Buffets, and Buffets
If you were the buyer here
Est. deal size
$587K
Est. down payment (10%)
$59K
Est. cash at closing
$78K
Monthly payment
$5,728
Annual debt service
$69K
Cash flow needed (1.25×)
$86K
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 Sunflower Bank National Association · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a Pizza Ranch 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. First Merchants Bank funds the most. CapBench is not a lender.

$672K typical Pizza Ranch loan
0% failure rate (FY20–23)
13 lenders fund the brand
21 days typical to fund

Buyers researching a Pizza Ranch 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 Ranch 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/pizza-ranch
API:: https://www.capbench.com/api/public/lenders?franchise=pizza-ranch
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.