Food & Restaurants · lender intelligence

How to finance a Whataburger

State:

The SBA 7(a) lenders funding the most Whataburger deals, ranked from public loan records — typical Whataburger loan about $657K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Whataburger

$657K

Typical loan

range $657K–$657K

$730K

Est. purchase price

≈ loan ÷ 90%

$97,579

Cash to close

$72,956 down + fees

$8,496/mo

Typical payment

~9.5% · 10yr

$117,245/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

Lenders competing

more = leverage

10.25%

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 Whataburger

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

1.149 loans · $135M · Mukwonago, WIFull record →

1+ funded Whataburger 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.

Shree Makhan Mishri LLC in Rincon, GA — $657K (2025) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
126 months
SBA guaranteed
$492K (75%)
Approved
8/20/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
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Buying a Whataburger? 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 Whataburger businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Whataburger 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. Citizens Bank funds the most. CapBench is not a lender.

$657K typical Whataburger loan
1 lenders fund the brand

Buyers researching a Whataburger 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 Whataburger 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/whataburger
API:: https://www.capbench.com/api/public/lenders?franchise=whataburger
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.