Food & Restaurants · lender intelligence

How to finance a Rally's

State:

The SBA 7(a) lenders funding the most Rally's deals, ranked from public loan records — typical Rally's 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 Rally's

$1.35M

Typical loan

range $283K–$1.65M

$1.50M

Est. purchase price

≈ loan ÷ 90%

$205,873

Cash to close

$150,111 down + fees

$17,482/mo

Typical payment

~9.5% · 10yr

$241,252/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

28 days

Typical time to fund

Lenders competing

more = leverage

6.29%

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 Rally's

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

1.1 loans · $1M · Lincoln, NEFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.318 loans · $229M · Osage Beach, MOFull record →
4.284 loans · $254M · Cincinnati, OHFull record →
5.85 loans · $148M · Los Angeles, CAFull record →
6.4 loans · $8M · San Francisco, CAFull record →
7.18 loans · $24M · Madison, WIFull record →
8.26 loans · $31M · Baton Rouge, LAFull record →
9.105 loans · $164M · Brookline, MAFull record →

15+ funded Rally'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.

AP Burgers Inc in Fresno, CA — $3.3M (2026) · purchase · Beacon Business Bank National Association
Program
7a General
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.5M (75%)
Approval → funding
10 days
Approved
12/9/2025
First disbursed
12/19/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
130
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$3.6M
Est. down payment (10%)
$364K
Est. cash at closing
$503K
Monthly payment
$42,442
Annual debt service
$509K
Cash flow needed (1.25×)
$637K
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 Beacon Business Bank National Association · Lender record →
Your business? Claim this record · Request removal
Magic Fast Foods Corp. in Temecula, CA — $2.3M (2023) · First Business Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
233 months
SBA guaranteed
$1.7M (75%)
Approved
9/16/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by First Business Bank · Lender record →
Your business? Claim this record · Request removal
Lack Enterprises LLC in Winchester, KY — $1.9M (2022) · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
15 days
Approved
3/3/2022
First disbursed
3/18/2022
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
GLOBAL MIDSOUTH CORP. in Amory, MS — $1.6M (2021) · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
312 mo (26 yrs)
SBA guaranteed
$1.4M (90%)
Approved
9/22/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
70
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
KGR 7890 RE, LLC in Phoenix, AZ — $1.4M (2021) · Commonwealth Business Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.2M (90%)
Approval → funding
8 days
Approved
3/1/2021
First disbursed
3/9/2021
Loan status
Paid in full (3/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
61
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Commonwealth Business Bank · Lender record →
Your business? Claim this record · Request removal
The Barrios Family Trust dated December 17, 2001 in Calexico, CA — $619K (2021) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
3.75% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$557K (90%)
Approval → funding
13 days
Approved
5/18/2021
First disbursed
5/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Lack Enterprises LLC in Portsmouth, OH — $303K (2021) · Fifth Third Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.7% fixed
Term
299 months
SBA guaranteed
$151K (50%)
Approval → funding
28 days
Approved
9/2/2021
First disbursed
9/30/2021
Loan status
Paid in full (10/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
65
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
Lack Enterprises LLC in Ashland, KY — $303K (2021) · Fifth Third Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.7% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$151K (50%)
Approval → funding
28 days
Approved
9/2/2021
First disbursed
9/30/2021
Loan status
Paid in full (10/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
65
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
The Barrios Family Trust Dated December 17 2001 in El Centro, CA — $229K (2021) · U.S. Bank, National Association
Program
Preferred Lenders Program
Rate at approval
3.75% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$206K (90%)
Approval → funding
40 days
Approved
9/21/2021
First disbursed
10/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
RCR Foods, LLC in Houma, LA — $1.6M (2020) · b1BANK
Program
7a General
Rate at approval
6.25% variable
Term
213 months
SBA guaranteed
$1.2M (75%)
Approval → funding
189 days
Approved
3/25/2020
First disbursed
9/30/2020
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
44
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by b1BANK · Lender record →
Your business? Claim this record · Request removal
Simone's Investment LLC in Saint Louis, MO — $1.6M (2020) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
308 months
SBA guaranteed
$1.2M (75%)
Approved
4/9/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
40
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
B & A Enterprises, Inc. in Citrus Heights, CA — $1.6M (2020) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
312 mo (26 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
22 days
Approved
3/9/2020
First disbursed
3/31/2020
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 First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
SnS Quickburgers, LLC. in Franklin, IN — $283K (2020) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
92 months
SBA guaranteed
$212K (75%)
Approval → funding
24 days
Approved
2/5/2020
First disbursed
2/29/2020
Loan status
Failed — $220K charged off (10/8/2024)
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
$314K
Est. down payment (10%)
$31K
Est. cash at closing
$42K
Monthly payment
$4,054
Annual debt service
$49K
Cash flow needed (1.25×)
$61K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
GLOBAL MIDSOUTH CORP. in Pontotoc, MS — $126K (2020) · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
66 months
SBA guaranteed
$95K (75%)
Approval → funding
39 days
Approved
4/22/2020
First disbursed
5/31/2020
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
70
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
SnS Quickburgers, LLC. in Franklin, IN — $50K (2020) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.5% variable
Term
19 months
SBA guaranteed
$25K (50%)
Approval → funding
366 days
Approved
2/5/2020
First disbursed
2/5/2021
Loan status
Failed — $50K charged off (8/4/2023)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a Rally'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. Pinnacle Bank funds the most. CapBench is not a lender.

$1.4M typical Rally's loan
10 lenders fund the brand
28 days typical to fund

Buyers researching a Rally'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 Rally'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/rally-s
API:: https://www.capbench.com/api/public/lenders?franchise=rally-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.