Food & Restaurants · lender intelligence

How to finance a Rock 'N' Joe

State:

The SBA 7(a) lenders funding the most Rock 'N' Joe deals, ranked from public loan records — typical Rock 'N' Joe loan about $176K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Rock 'N' Joe

$176K

Typical loan

range $176K–$176K

$195K

Est. purchase price

≈ loan ÷ 90%

$26,082

Cash to close

$19,500 down + fees

$2,569/mo

Typical payment

~12.5% · 10yr

$35,452/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

Lenders competing

more = leverage

9.25%

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 Rock 'N' Joe

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

1.7 loans · $1M · Lincoln, NEFull record →

1+ funded Rock 'N' Joe 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.

Jayden Properties LLC in Hickman, NE — $176K (2023) · First State Bank Nebraska
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$132K (75%)
Approved
6/15/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by First State Bank Nebraska · Lender record →
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Buying a Rock 'N' Joe? 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 Rock 'N' Joe businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Rock 'N' Joe 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 State Bank Nebraska funds the most. CapBench is not a lender.

$176K typical Rock 'N' Joe loan
1 lenders fund the brand

Buyers researching a Rock 'N' Joe 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 Rock 'N' Joe 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/rock-n-joe
API:: https://www.capbench.com/api/public/lenders?franchise=rock-n-joe
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.