Food & Restaurants · lender intelligence

How to finance a Turning Point

State:

The SBA 7(a) lenders funding the most Turning Point deals, ranked from public loan records — typical Turning Point loan about $700K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Turning Point

$700K

Typical loan

range $700K–$1.02M

$778K

Est. purchase price

≈ loan ÷ 90%

$104,028

Cash to close

$77,778 down + fees

$9,058/mo

Typical payment

~9.5% · 10yr

$125,000/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

132 days

Typical time to fund

Lenders competing

more = leverage

9.94%

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 Turning Point

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

1.1,927 loans · $207M · Buffalo, NYFull record →
2.11 loans · $7M · Millersburg, PAFull record →

4+ funded Turning Point 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 Camp Hill, Inc. in Camp Hill, PA — $1.0M (2024) · Manufacturers and Traders Trust Company
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
129 months
SBA guaranteed
$763K (75%)
Approval → funding
132 days
Approved
7/11/2024
First disbursed
11/20/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
40
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
ZJR Management Company, LLC in Lancaster, PA — $700K (2024) · Mid Penn Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$525K (75%)
Approved
2/14/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
35
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Mid Penn Bank · Lender record →
Your business? Claim this record · Request removal
ZJR Management Company, LLC in Lancaster, PA — $700K (2024) · Mid Penn Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$525K (75%)
Approval → funding
81 days
Approved
2/29/2024
First disbursed
5/20/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
35
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Mid Penn Bank · Lender record →
Your business? Claim this record · Request removal
TP Camp Hill, Inc. in Camp Hill, PA — $100K (2024) · Manufacturers and Traders Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
232 days
Approved
7/11/2024
First disbursed
2/28/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
40
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal

Buying a Turning Point? 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.

Free · No documents · Usually same-day

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 Turning Point businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Turning Point 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. Manufacturers and Traders Trust Company funds the most. CapBench is not a lender.

$700K typical Turning Point loan
2 lenders fund the brand
132 days typical to fund

Buyers researching a Turning Point 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 Turning Point 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/turning-point
API:: https://www.capbench.com/api/public/lenders?franchise=turning-point
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.