Food & Restaurants · lender intelligence

How to finance a Toppers Pizza

State:

The SBA 7(a) lenders funding the most Toppers Pizza deals, ranked from public loan records — typical Toppers Pizza loan about $488K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Toppers Pizza

$488K

Typical loan

range $380K–$859K

$542K

Est. purchase price

≈ loan ÷ 90%

$72,522

Cash to close

$54,222 down + fees

$6,315/mo

Typical payment

~9.5% · 10yr

$87,147/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

26 days

Typical time to fund

Lenders competing

more = leverage

8.23%

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 Toppers Pizza

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

1.3 loans · $1M · Whitewater, WIFull record →
2.242 loans · $281M · Chicago, ILFull record →
3.34 loans · $19M · Arden Hills, MNFull record →
4.116 loans · $120M · Evansville, INFull record →
5.112 loans · $112M · Irving, TXFull record →
6.28 loans · $42M · Lehi, UTFull record →

13+ funded Toppers Pizza 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.

TP Waukesha East LLC in Waukesha, WI — $488K (2025) · VelocitySBA, LLC
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$366K (75%)
Approval → funding
27 days
Approved
10/29/2024
First disbursed
11/25/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by VelocitySBA, LLC · Lender record →
Your business? Claim this record · Request removal
Perfect 10 Manhattan LLC in Manhattan, KS — $480K (2025) · First Citizens State Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$360K (75%)
Approval → funding
21 days
Approved
1/10/2025
First disbursed
1/31/2025
Loan status
Payments deferred
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 First Citizens State Bank · Lender record →
Your business? Claim this record · Request removal
Alliance Premium Kitchens, LLC in Madison, WI — $250K (2025) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
12% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
2 days
Approved
7/1/2025
First disbursed
7/3/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$278K
Est. down payment (10%)
$28K
Est. cash at closing
$37K
Monthly payment
$3,587
Annual debt service
$43K
Cash flow needed (1.25×)
$54K
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
Smooth Money of Iowa, LLC in De Pere, WI — $1.4M (2024) · First Citizens State Bank
Program
7a General
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (75%)
Approved
5/16/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
65
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by First Citizens State Bank · Lender record →
Your business? Claim this record · Request removal
The Dough Group LLC in Lakeville, MN — $859K (2024) · purchase · Frandsen Bank and Trust
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$644K (75%)
Approval → funding
4 days
Approved
8/8/2024
First disbursed
8/12/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
74
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$954K
Est. down payment (10%)
$95K
Est. cash at closing
$131K
Monthly payment
$11,115
Annual debt service
$133K
Cash flow needed (1.25×)
$167K
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 Frandsen Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Pizza QSA LLC in Concord, NC — $715K (2024) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
126 months
SBA guaranteed
$536K (75%)
Approval → funding
15 days
Approved
8/21/2024
First disbursed
9/5/2024
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
4
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Hot Oven Pizzeria LLC in Watertown, WI — $600K (2024) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
126 months
SBA guaranteed
$450K (75%)
Approval → funding
26 days
Approved
11/10/2023
First disbursed
12/6/2023
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Al-Numan Pizza LLC in Gurnee, IL — $483K (2022) · LendingClub Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
126 months
SBA guaranteed
$362K (75%)
Approval → funding
31 days
Approved
4/1/2022
First disbursed
5/2/2022
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
35
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by LendingClub Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Renegade Pizza LLC in Topeka, KS — $380K (2022) · First Citizens State Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
83 months
SBA guaranteed
$285K (75%)
Approval → funding
22 days
Approved
3/14/2022
First disbursed
4/5/2022
Loan status
Payments deferred
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by First Citizens State Bank · Lender record →
Your business? Claim this record · Request removal
Perfect 10 LLC in Cambridge, WI — $336K (2022) · purchase · First Citizens State Bank
Program
Preferred Lenders Program
Rate at approval
6.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$252K (75%)
Approval → funding
14 days
Approved
8/1/2022
First disbursed
8/15/2022
Loan status
Payments deferred
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
$373K
Est. down payment (10%)
$37K
Est. cash at closing
$50K
Monthly payment
$3,815
Annual debt service
$46K
Cash flow needed (1.25×)
$57K
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 Citizens State Bank · Lender record →
Your business? Claim this record · Request removal
Pizza People, Inc. in Waukesha, WI — $1.5M (2021) · purchase · First Citizens State Bank
Program
7a General
Rate at approval
5.75% variable
Term
84 mo (7 yrs)
SBA guaranteed
$1.3M (90%)
Approval → funding
34 days
Approved
8/27/2021
First disbursed
9/30/2021
Loan status
Paid in full (12/31/2021)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
300
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$1.7M
Est. down payment (10%)
$166K
Est. cash at closing
$228K
Monthly payment
$21,647
Annual debt service
$260K
Cash flow needed (1.25×)
$325K
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 Citizens State Bank · Lender record →
Your business? Claim this record · Request removal
Legends 3Sixty Pizza LLC in Owatonna, MN — $1.2M (2021) · purchase · Old National Bank
Program
Preferred Lenders Program
Rate at approval
5.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$885K (75%)
Approval → funding
26 days
Approved
11/4/2020
First disbursed
11/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
82
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$131K
Est. cash at closing
$180K
Monthly payment
$12,806
Annual debt service
$154K
Cash flow needed (1.25×)
$192K
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 Old National Bank · Lender record →
Your business? Claim this record · Request removal
Pizza People, Inc. in Whitewater, WI — $290K (2021) · First Citizens State Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
60 mo (5 yrs)
SBA guaranteed
$261K (90%)
Approval → funding
26 days
Approved
6/17/2021
First disbursed
7/13/2021
Loan status
Paid in full (6/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
26
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by First Citizens State Bank · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a Toppers Pizza 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 Citizens State Bank funds the most. CapBench is not a lender.

$488K typical Toppers Pizza loan
6 lenders fund the brand
26 days typical to fund

Buyers researching a Toppers Pizza 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 Toppers Pizza record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-19.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/toppers-pizza
API:: https://www.capbench.com/api/public/lenders?franchise=toppers-pizza
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.