Food & Restaurants · lender intelligence

How to finance a Toastique

State:

The SBA 7(a) lenders funding the most Toastique deals, ranked from public loan records — typical Toastique loan about $417K, 0% failure rate across 47 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Toastique

$417K

Typical loan

range $50K–$549K

$463K

Est. purchase price

≈ loan ÷ 90%

$61,971

Cash to close

$46,333 down + fees

$5,396/mo

Typical payment

~9.5% · 10yr

$74,465/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

36 days

Typical time to fund

Lenders competing

more = leverage

9.65%

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 Toastique

Ranked by funded Toastique 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 →
2.1,927 loans · $207M · Buffalo, NYFull record →
3.103 loans · $64M · Indiana, PAFull record →
4.318 loans · $229M · Osage Beach, MOFull record →
5.105 loans · $72M · Wilmington, DEFull record →
6.4 loans · $2M · Bloomington, MNFull record →
7.112 loans · $112M · Irving, TXFull record →
8.16 loans · $21M · Las Vegas, NVFull record →
9.88 loans · $96M · Muncie, INFull record →
10.618 loans · $171M · Salt Lake City, UTFull record →
11.5 loans · $2M · Beresford, SDFull record →

47+ funded Toastique 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.

GOLDEN NOURISH CASTRO VALLEY CORP in Castro Valley, CA — $1.3M (2026) · Meadows Bank
Program
Preferred Lenders Program
Rate at approval
6.5% variable
Term
308 months
SBA guaranteed
$959K (75%)
Approved
2/25/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Meadows Bank · Lender record →
Your business? Claim this record · Request removal
Reen Capital LLC in Vienna, VA — $515K (2026) · VelocitySBA, LLC
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
123 months
SBA guaranteed
$386K (75%)
Approved
1/29/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by VelocitySBA, LLC · Lender record →
Your business? Claim this record · Request removal
WELLTOAST LLC in Deer Park, IL — $500K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approved
11/17/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Guy's Toast01, L.L.C. in Flower Mound, TX — $499K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
129 months
SBA guaranteed
$374K (75%)
Approved
12/15/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
WELLTOAST LLC in Deer Park, IL — $50K (2026) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
11/17/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Guy's Toast01, L.L.C. in Flower Mound, TX — $50K (2026) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
12/15/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Toastique in Reston, VA — $990K (2025) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
132 mo (11 yrs)
SBA guaranteed
$743K (75%)
Approval → funding
30 days
Approved
6/25/2025
First disbursed
7/25/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
TOASTIQUE BRICKWORKS in Atlanta, GA — $915K (2025) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
132 mo (11 yrs)
SBA guaranteed
$686K (75%)
Approval → funding
15 days
Approved
9/22/2025
First disbursed
10/7/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
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
Toastique in Overland Park, KS — $722K (2025) · First Merchants Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
126 months
SBA guaranteed
$542K (75%)
Approval → funding
66 days
Approved
5/27/2025
First disbursed
8/1/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
DICESARE CORP in Beachwood, OH — $662K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
132 mo (11 yrs)
SBA guaranteed
$497K (75%)
Approval → funding
46 days
Approved
11/25/2024
First disbursed
1/10/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
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
Sonorange Corp. in Marietta, GA — $617K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$462K (75%)
Approval → funding
7 days
Approved
4/21/2025
First disbursed
4/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
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
L&D Solutions LLC in El Paso, TX — $549K (2025) · First Savings Bank
Program
7a General
Rate at approval
9% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$412K (75%)
Approval → funding
61 days
Approved
12/10/2024
First disbursed
2/9/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by First Savings Bank · Lender record →
Your business? Claim this record · Request removal
DBOSS LLC in Dallas, TX — $500K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
129 months
SBA guaranteed
$375K (75%)
Approval → funding
36 days
Approved
5/15/2025
First disbursed
6/20/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
CAP5 ENTERPRISES LLC in Woodbury, NY — $500K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
92 days
Approved
1/6/2025
First disbursed
4/8/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
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
WELLTOAST LLC in Deer Park, IL — $500K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approved
5/19/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
M'DINA LA L.L.C. in Los Angeles, CA — $425K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
129 months
SBA guaranteed
$319K (75%)
Approval → funding
41 days
Approved
3/18/2025
First disbursed
4/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Low Pockets LLC in Willow Park, TX — $417K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$313K (75%)
Approved
5/29/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
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
Bunny and Squirrel LLC in Arlington, VA — $414K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$311K (75%)
Approval → funding
54 days
Approved
3/6/2025
First disbursed
4/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
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
Royal Family Toast LLC in Fairfield, CT — $374K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$281K (75%)
Approved
3/6/2025
Loan status
Committed
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
M'DINA LA L.L.C. in Los Angeles, CA — $50K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
227 days
Approved
3/18/2025
First disbursed
10/31/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a Toastique 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.

$417K typical Toastique loan
0% failure rate (FY20–23)
12 lenders fund the brand
36 days typical to fund

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