Food & Restaurants · lender intelligence

How to finance a Wendy's

State:

The SBA 7(a) lenders funding the most Wendy's deals, ranked from public loan records — typical Wendy's loan about $942K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Wendy's

$942K

Typical loan

range $525K–$1.57M

$1.05M

Est. purchase price

≈ loan ÷ 90%

$143,525

Cash to close

$104,667 down + fees

$12,189/mo

Typical payment

~9.5% · 10yr

$168,208/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

14 days

Typical time to fund

Lenders competing

more = leverage

8.18%

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 Wendy's

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

1.242 loans · $281M · Chicago, ILFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.33 loans · $54M · Sun Valley, CAFull record →
4.1,322 loans · $185M · Wilmington, DEFull record →
5.1,927 loans · $207M · Buffalo, NYFull record →
6.138 loans · $276M · Sioux Falls, SDFull record →
7.1,296 loans · $1.4B · Wilmington, NCFull record →
8.12 loans · $8M · Bakersfield, CAFull record →
9.18 loans · $24M · Madison, WIFull record →

20+ funded Wendy's 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.

White Lake Group LLC in Fenton, MI — $605K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$454K (75%)
Approved
2/6/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
32
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
White Lake Group LLC in Fenton, MI — $50K (2026) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
2/6/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
32
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
DJLD Restaurant Group Inc in Myrtle Beach, SC — $2.6M (2025) · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.9M (75%)
Approved
9/29/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
165
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Pathward National Association · Lender record →
Your business? Claim this record · Request removal
Limitless Restaurant Group Inc in Ridgecrest, CA — $682K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$512K (75%)
Approval → funding
77 days
Approved
5/19/2025
First disbursed
8/4/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Four 8888 Systems Inc. in Arcade, NY — $525K (2025) · Manufacturers and Traders Trust Company
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$394K (75%)
Approval → funding
151 days
Approved
7/7/2025
First disbursed
12/5/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
60
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
ROSEWOOD CAPITAL LLC in New Castle, DE — $500K (2025) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.99% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
167 days
Approved
5/15/2025
First disbursed
10/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Limitless Restaurant Group Inc in Ridgecrest, CA — $50K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
270 days
Approved
5/19/2025
First disbursed
2/13/2026
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
DEPENDABLE FOODS INC in Wasco, CA — $1.1M (2024) · Mission Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$836K (75%)
Approval → funding
14 days
Approved
8/29/2024
First disbursed
9/12/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
62
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Mission Bank · Lender record →
Your business? Claim this record · Request removal
RAY AN ENTERPRISES II, LLC in Phoenix, AZ — $942K (2024) · First Business Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
126 months
SBA guaranteed
$707K (75%)
Approved
9/28/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Partnership
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by First Business Bank · Lender record →
Your business? Claim this record · Request removal
RIISE Hospitality Group, LLC in Weed, CA — $673K (2024) · TD Bank, National Association
Program
Preferred Lenders Program
Rate at approval
7.35% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$505K (75%)
Approval → funding
7 days
Approved
3/19/2024
First disbursed
3/26/2024
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
RIISE Hospitality Group, LLC in Yreka, CA — $673K (2024) · TD Bank, National Association
Program
Preferred Lenders Program
Rate at approval
7.35% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$505K (75%)
Approval → funding
7 days
Approved
3/19/2024
First disbursed
3/26/2024
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Wendy's Old Fashioned Hamburgers in Oakley, CA — $3.4M (2023) · Mission Valley Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
309 months
SBA guaranteed
$2.6M (75%)
Approval → funding
23 days
Approved
5/9/2023
First disbursed
6/1/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
35
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Mission Valley Bank · Lender record →
Your business? Claim this record · Request removal
Wow Ventures, Inc. in Oakley, CA — $3.4M (2022) · Mission Valley Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
306 months
SBA guaranteed
$2.6M (75%)
Approved
9/9/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
36
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Mission Valley Bank · Lender record →
Your business? Claim this record · Request removal
Wow Ventures, Inc. in Salinas, CA — $1.6M (2022) · purchase · Mission Valley Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
8 days
Approved
9/22/2022
First disbursed
9/30/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
60
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$1.7M
Est. down payment (10%)
$174K
Est. cash at closing
$240K
Monthly payment
$18,628
Annual debt service
$224K
Cash flow needed (1.25×)
$279K
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 Mission Valley Bank · Lender record →
Your business? Claim this record · Request removal
Tickle Your Taste Inc in New York, NY — $1.4M (2021) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
6% fixed
Term
123 months
SBA guaranteed
$1.0M (75%)
Approval → funding
12 days
Approved
5/19/2021
First disbursed
5/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
80
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
TAH Food Group, Inc in New York, NY — $1.4M (2021) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
123 months
SBA guaranteed
$1.0M (75%)
Approval → funding
12 days
Approved
5/19/2021
First disbursed
5/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
80
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
Himani Hospitality Group Inc in New York, NY — $315K (2021) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$236K (75%)
Approval → funding
8 days
Approved
6/21/2021
First disbursed
6/29/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
90
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
Sabina Hospitality Inc in New York, NY — $315K (2021) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$236K (75%)
Approval → funding
4 days
Approved
6/21/2021
First disbursed
6/25/2021
Loan status
Paid in full (12/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
95
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$350K
Est. down payment (10%)
$35K
Est. cash at closing
$47K
Monthly payment
$3,497
Annual debt service
$42K
Cash flow needed (1.25×)
$52K
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
ALL ABOUT FOODS GROUP INC in Flushing, NY — $2.3M (2020) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
123 months
SBA guaranteed
$1.8M (75%)
Approval → funding
57 days
Approved
11/4/2019
First disbursed
12/31/2019
Loan status
Paid in full (5/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
70
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
Zari Foods LLC in New York, NY — $1.6M (2020) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
123 months
SBA guaranteed
$1.2M (75%)
Approval → funding
21 days
Approved
12/10/2019
First disbursed
12/31/2019
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
24
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

Buying a Wendy's? 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 Wendy's businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Wendy's 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. Byline Bank funds the most. CapBench is not a lender.

$942K typical Wendy's loan
9 lenders fund the brand
14 days typical to fund

Buyers researching a Wendy's 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 Wendy's 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/wendy-s
API:: https://www.capbench.com/api/public/lenders?franchise=wendy-s
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.