Food & Restaurants · lender intelligence

How to finance a Smashburger

State:

The SBA 7(a) lenders funding the most Smashburger deals, ranked from public loan records — typical Smashburger loan about $313K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Smashburger

$313K

Typical loan

range $303K–$824K

$348K

Est. purchase price

≈ loan ÷ 90%

$46,516

Cash to close

$34,778 down + fees

$4,312/mo

Typical payment

~11% · 10yr

$59,506/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

33 days

Typical time to fund

Lenders competing

more = leverage

8.5%

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 Smashburger

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

1.868 loans · $362M · Salt Lake City, UTFull record →
2.242 loans · $281M · Chicago, ILFull record →
3.168 loans · $205M · Fishers, INFull record →
4.4 loans · $2M · Milton, WIFull record →
5.1 loans · $0M · St. Louis, MOFull record →

5+ funded Smashburger 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.

CNC KIRBY VENTURES INC. in Destin, FL — $824K (2024) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$618K (75%)
Approval → funding
18 days
Approved
6/10/2024
First disbursed
6/28/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Run Elevation Inc. in Tucson, AZ — $313K (2023) · purchase · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$235K (75%)
Approval → funding
75 days
Approved
8/17/2023
First disbursed
10/31/2023
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
13
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$348K
Est. down payment (10%)
$35K
Est. cash at closing
$47K
Monthly payment
$4,356
Annual debt service
$52K
Cash flow needed (1.25×)
$65K
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 Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Zuvachs, LLC in Lehi, UT — $303K (2021) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
79 months
SBA guaranteed
$227K (75%)
Approval → funding
33 days
Approved
10/28/2020
First disbursed
11/30/2020
Loan status
Failed — $240K charged off (1/27/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$337K
Est. down payment (10%)
$34K
Est. cash at closing
$45K
Monthly payment
$4,655
Annual debt service
$56K
Cash flow needed (1.25×)
$70K
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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
BEBurgers, LLC in Moravian Falls, NC — $855K (2020) · purchase · First Community Bank
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
84 mo (7 yrs)
SBA guaranteed
$641K (75%)
Approval → funding
20 days
Approved
10/11/2019
First disbursed
10/31/2019
Loan status
Paid in full (11/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$950K
Est. down payment (10%)
$95K
Est. cash at closing
$130K
Monthly payment
$12,593
Annual debt service
$151K
Cash flow needed (1.25×)
$189K
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 Community Bank · Lender record →
Your business? Claim this record · Request removal
Ballantyne Smash LLC in Charlotte, NC — $250K (2020) · First Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
57 months
SBA guaranteed
$188K (75%)
Approval → funding
107 days
Approved
11/14/2019
First disbursed
2/29/2020
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
13
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by First Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Smashburger? 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 Smashburger businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Smashburger 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. Celtic Bank Corporation funds the most. CapBench is not a lender.

$313K typical Smashburger loan
5 lenders fund the brand
33 days typical to fund

Buyers researching a Smashburger 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 Smashburger 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/smashburger
API:: https://www.capbench.com/api/public/lenders?franchise=smashburger
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.