Food & Restaurants · lender intelligence
How to finance a Waffle House
The SBA 7(a) lenders funding the most Waffle House deals, ranked from public loan records — typical Waffle House loan about $250K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Waffle House
$250K
Typical loan
range $250K–$250K
$278K
Est. purchase price
≈ loan ÷ 90%
$37,153
Cash to close
$27,778 down + fees
$3,659/mo
Typical payment
~12.5% · 10yr
$50,494/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
22 days
Typical time to fund
1
Lenders competing
more = leverage
7.5%
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 Waffle House
Ranked by funded Waffle House loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.7 loans · $11M · Mcleansboro, ILFull record →
1+ funded Waffle House 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.
- The Waffle Company, LLC in Mount Vernon, IL — $250K (2024) · Peoples National Bank National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $125K (50%)
- Approval → funding
- 22 days
- Approved
- 5/8/2024
- First disbursed
- 5/30/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Peoples National Bank National Association · Lender record →
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Buying a Waffle House? 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 Waffle House businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Waffle House 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. Peoples National Bank National Association funds the most. CapBench is not a lender.
- $250K typical Waffle House loan
- 1 lenders fund the brand
- 22 days typical to fund
Buyers researching a Waffle House 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.