Food & Restaurants · lender intelligence
How to finance a Schlotzsky's
The SBA 7(a) lenders funding the most Schlotzsky's deals, ranked from public loan records — typical Schlotzsky's loan about $453K, 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 Schlotzsky's
$453K
Typical loan
range $273K–$1.26M
$503K
Est. purchase price
≈ loan ÷ 90%
$67,306
Cash to close
$50,322 down + fees
$5,860/mo
Typical payment
~9.5% · 10yr
$80,868/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
21 days
Typical time to fund
16
Lenders competing
more = leverage
7.24%
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 Schlotzsky's
Ranked by funded Schlotzsky's loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.62 loans · $26M · Oklahoma City, OKFull record →
- 3.1,296 loans · $1.4B · Wilmington, NCFull record →
- 4.13 loans · $5M · Chanute, KSFull record →
- 5.32 loans · $32M · Fargo, NDFull record →
- 6.60 loans · $130M · Doraville, GAFull record →
- 7.741 loans · $149M · Northbrook, ILFull record →
- 8.274 loans · $315M · Los Angeles, CAFull record →
- 9.78 loans · $79M · New Orleans, LAFull record →
- 10.22 loans · $12M · Carlsbad, NMFull record →
- 11.20 loans · $8M · Saint Petersburg, FLFull record →
- 12.8 loans · $6M · Lemay, MOFull record →
- 13.21 loans · $5M · Spartanburg, SCFull record →
25+ funded Schlotzsky'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.
- Sterling Block Restaurant Group LLC in Wichita Falls, TX — $892K (2026) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $669K (75%)
- Approved
- 12/17/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $991K
- Est. down payment (10%)
- $99K
- Est. cash at closing
- $136K
- Monthly payment
- $11,419
- Annual debt service
- $137K
- Cash flow needed (1.25×)
- $171K
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
- Sterling Block Restaurant Group LLC in Wichita Falls, TX — $150K (2026) · purchase · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approved
- 12/17/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $1,920
- Annual debt service
- $23K
- Cash flow needed (1.25×)
- $29K
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
- Calclo LLC in Artesia, NM — $160K (2025) · Western Commerce Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 122 months
- SBA guaranteed
- $120K (75%)
- Approval → funding
- 17 days
- Approved
- 10/11/2024
- First disbursed
- 10/28/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 29
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by Western Commerce Bank · Lender record →
Your business? Claim this record · Request removal
- Vega North Enterprises LLC in San Antonio, TX — $4.0M (2024) · purchase · Gulf Coast Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $3.0M (75%)
- Approval → funding
- 21 days
- Approved
- 4/22/2024
- First disbursed
- 5/13/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 144
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $4.4M
- Est. down payment (10%)
- $444K
- Est. cash at closing
- $614K
- Monthly payment
- $54,467
- Annual debt service
- $654K
- Cash flow needed (1.25×)
- $817K
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 Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
- Vedasrikanth LLC in Naperville, IL — $2.3M (2024) · CenTrust Bank, A Division of SmartBiz Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.8M (75%)
- Approval → funding
- 11 days
- Approved
- 6/29/2024
- First disbursed
- 7/10/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by CenTrust Bank, A Division of SmartBiz Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Kanthi Restaurant Group LLC in Yukon, OK — $1.5M (2024) · purchase · BancFirst
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 16 days
- Approved
- 8/27/2024
- First disbursed
- 9/12/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 19
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.6M
- Est. down payment (10%)
- $164K
- Est. cash at closing
- $226K
- Monthly payment
- $19,138
- Annual debt service
- $230K
- Cash flow needed (1.25×)
- $287K
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 BancFirst · Lender record →
Your business? Claim this record · Request removal
- Schlotzsky's and Cinnabon in Mesa, AZ — $729K (2024) · U.S. Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.7% variable
- Term
- 126 months
- SBA guaranteed
- $547K (75%)
- Approval → funding
- 231 days
- Approved
- 5/10/2024
- First disbursed
- 12/27/2024
- Loan status
- Current
- 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 U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Sandia Restaurants LLC in Santa Fe, NM — $3.2M (2023) · Midwest BankCentre
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.4M (75%)
- Approval → funding
- 48 days
- Approved
- 6/28/2023
- First disbursed
- 8/15/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 60
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Midwest BankCentre · Lender record →
Your business? Claim this record · Request removal
- Schlotzsky's 1347 in Spring, TX — $370K (2023) · purchase · Metro City Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 72 mo (6 yrs)
- SBA guaranteed
- $278K (75%)
- Approval → funding
- 8 days
- Approved
- 3/9/2023
- First disbursed
- 3/17/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 11
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $411K
- Est. down payment (10%)
- $41K
- Est. cash at closing
- $55K
- Monthly payment
- $6,762
- Annual debt service
- $81K
- Cash flow needed (1.25×)
- $101K
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 Metro City Bank · Lender record →
Your business? Claim this record · Request removal
- DDK Deli's LLC in San Antonio, TX — $150K (2023) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 13.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 2 days
- Approved
- 8/28/2023
- First disbursed
- 8/30/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
- Rubicon Ventures 1, LLC in Anderson, SC — $345K (2022) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $259K (75%)
- Approval → funding
- 57 days
- Approved
- 1/24/2022
- First disbursed
- 3/22/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $383K
- Est. down payment (10%)
- $38K
- Est. cash at closing
- $51K
- Monthly payment
- $3,702
- Annual debt service
- $44K
- Cash flow needed (1.25×)
- $56K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- KUBA FOODS LLC in Little Elm, TX — $273K (2022) · Bank of Hope
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $205K (75%)
- Approval → funding
- 4 days
- Approved
- 9/12/2022
- First disbursed
- 9/16/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 13
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
- Vedasrikanth LLC in Naperville, IL — $2.4M (2021) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 2.5% variable
- Term
- 306 months
- SBA guaranteed
- $2.2M (90%)
- Approval → funding
- 66 days
- Approved
- 7/30/2021
- First disbursed
- 10/4/2021
- Loan status
- Paid in full (7/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 80
- 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
- Bluebird Acquisitions LLC in Granbury, TX — $2.2M (2021) · purchase · Southern Bank
- Program
- 7a General
- Rate at approval
- 6% variable
- Term
- 103 months
- SBA guaranteed
- $2.0M (90%)
- Approval → funding
- 14 days
- Approved
- 8/6/2021
- First disbursed
- 8/20/2021
- 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
- 59
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $2.5M
- Est. down payment (10%)
- $247K
- Est. cash at closing
- $341K
- Monthly payment
- $27,693
- Annual debt service
- $332K
- Cash flow needed (1.25×)
- $415K
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 Southern Bank · Lender record →
Your business? Claim this record · Request removal
- SKS Partners IV LLC in Mustang, OK — $1.3M (2021) · BancFirst
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 243 months
- SBA guaranteed
- $1.1M (90%)
- Approval → funding
- 6 days
- Approved
- 8/12/2021
- First disbursed
- 8/18/2021
- Loan status
- Paid in full (8/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 52
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by BancFirst · Lender record →
Your business? Claim this record · Request removal
- Matzke Deli - Green Bay, LLC in Green Bay, WI — $765K (2021) · purchase · Bank of Luxemburg
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $383K (50%)
- Approval → funding
- 61 days
- Approved
- 8/31/2021
- First disbursed
- 10/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 45
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $850K
- Est. down payment (10%)
- $85K
- Est. cash at closing
- $117K
- Monthly payment
- $8,114
- Annual debt service
- $97K
- Cash flow needed (1.25×)
- $122K
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 Bank of Luxemburg
Your business? Claim this record · Request removal
- Jay Shri Krishna LLC in Dothan, AL — $580K (2021) · Troy Bank & Trust Company
- Program
- 7a General
- Rate at approval
- 5% variable
- Term
- 126 months
- SBA guaranteed
- $522K (90%)
- Approval → funding
- 18 days
- Approved
- 2/10/2021
- First disbursed
- 2/28/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Troy Bank & Trust Company
Your business? Claim this record · Request removal
- NORTHERN HOSPITALITY GROUP, LLC in Fargo, ND — $453K (2021) · Bell Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $408K (90%)
- Approval → funding
- 31 days
- Approved
- 2/1/2021
- First disbursed
- 3/4/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 23
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Bell Bank · Lender record →
Your business? Claim this record · Request removal
- Rubicon Ventures 1, LLC in Anderson, SC — $345K (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.4% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $259K (75%)
- Approved
- 9/30/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Rubicon Ventures 1, LLC in Anderson, SC — $345K (2021) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 5.4% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $259K (75%)
- Approved
- 9/30/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Buying a Schlotzsky's? 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 Schlotzsky's businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Schlotzsky'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. The Huntington National Bank funds the most. CapBench is not a lender.
- $453K typical Schlotzsky's loan
- 0% failure rate (FY20–23)
- 16 lenders fund the brand
- 21 days typical to fund
Buyers researching a Schlotzsky'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.
- 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.
- 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.