Food & Restaurants · lender intelligence

How to finance a Western Sizzlin

State:

The SBA 7(a) lenders funding the most Western Sizzlin deals, ranked from public loan records — typical Western Sizzlin loan about $2.7M. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Western Sizzlin

$2.68M

Typical loan

range $1.95M–$2.83M

$2.98M

Est. purchase price

≈ loan ÷ 90%

$410,853

Cash to close

$297,778 down + fees

$34,679/mo

Typical payment

~9.5% · 10yr

$478,570/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

5 days

Typical time to fund

Lenders competing

more = leverage

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 Western Sizzlin

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

1.104 loans · $100M · Portsmouth, VAFull record →
2.46 loans · $47M · Asheville, NCFull record →
3.868 loans · $362M · Salt Lake City, UTFull record →

4+ funded Western Sizzlin 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.

Deep Roots Education, LLC. in Katy, TX — $2.7M (2024) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
130 months
SBA guaranteed
$2.0M (75%)
Approval → funding
7 days
Approved
7/9/2024
First disbursed
7/16/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
23
Business age
Startup, Loan Funds will Open Business
Industry
Child Care Services
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
Star-D, LLC in Dunn, NC — $2.8M (2023) · TowneBank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.1M (75%)
Approval → funding
5 days
Approved
5/26/2023
First disbursed
5/31/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
115
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by TowneBank · Lender record →
Your business? Claim this record · Request removal
Star-D, LLC in Dunn, NC — $25K (2023) · TowneBank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
5 days
Approved
5/26/2023
First disbursed
5/31/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
100
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by TowneBank · Lender record →
Your business? Claim this record · Request removal
White Swan Construction, L.L.C. in Dunn, NC — $2.0M (2021) · HomeTrust Bank
Program
Preferred Lenders Program
Rate at approval
1.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.8M (90%)
Approval → funding
3 days
Approved
3/15/2021
First disbursed
3/18/2021
Loan status
Paid in full (5/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
47
Business age
New Business or 2 years or less
Industry
Full-Service Restaurants
Funded by HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a Western Sizzlin 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. TowneBank funds the most. CapBench is not a lender.

$2.7M typical Western Sizzlin loan
3 lenders fund the brand
5 days typical to fund

Buyers researching a Western Sizzlin 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 Western Sizzlin 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/western-sizzlin
API:: https://www.capbench.com/api/public/lenders?franchise=western-sizzlin
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.