Food & Restaurants · lender intelligence

How to finance a Which Wich

State:

The SBA 7(a) lenders funding the most Which Wich deals, ranked from public loan records — typical Which Wich loan about $305K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Which Wich

$305K

Typical loan

range $203K–$415K

$339K

Est. purchase price

≈ loan ÷ 90%

$45,327

Cash to close

$33,889 down + fees

$4,201/mo

Typical payment

~11% · 10yr

$57,974/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

27 days

Typical time to fund

Lenders competing

more = leverage

7.36%

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 Which Wich

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

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.149 loans · $135M · Mukwonago, WIFull record →
4.75 loans · $98M · Sioux Falls, SDFull record →
5.33 loans · $15M · Minneapolis, MNFull record →
6.105 loans · $164M · Brookline, MAFull record →
7.62 loans · $34M · Winter Haven, FLFull record →
8.1 loans · $0M · Zebulon, GAFull record →
9.31 loans · $8M · South Bend, INFull record →

11+ funded Which Wich 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.

Tasty Wich LLC in Prosper, TX — $350K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
27 days
Approved
2/8/2023
First disbursed
3/7/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
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
Arlington 159 Wich LLC in Arlington, VA — $300K (2023) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.35% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
36 days
Approved
12/27/2022
First disbursed
2/1/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$333K
Est. down payment (10%)
$33K
Est. cash at closing
$45K
Monthly payment
$3,696
Annual debt service
$44K
Cash flow needed (1.25×)
$55K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Tasty Wich LLC in Prosper, TX — $30K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approved
2/8/2023
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
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
WESTCHESTER WICH LLC in Midlothian, VA — $862K (2021) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$776K (90%)
Approval → funding
17 days
Approved
9/13/2021
First disbursed
9/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$958K
Est. down payment (10%)
$96K
Est. cash at closing
$131K
Monthly payment
$9,398
Annual debt service
$113K
Cash flow needed (1.25×)
$141K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Hot Sands LLC in Elkhart, IN — $281K (2021) · 1st Source Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
119 months
SBA guaranteed
$252K (90%)
Approval → funding
2 days
Approved
9/13/2021
First disbursed
9/15/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by 1st Source Bank · Lender record →
Your business? Claim this record · Request removal
WC Restaurant Enterprises, LLC in Tyler, TX — $500K (2020) · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
124 months
SBA guaranteed
$375K (75%)
Approval → funding
33 days
Approved
11/15/2019
First disbursed
12/18/2019
Loan status
In workout — SBA bought the guarantee
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 Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Ham n' Beans Restaurant Group Retirement Plan in Hillsboro, OR — $415K (2020) · CRF Small Business Loan Company, LLC
Program
7a General
Rate at approval
7.75% variable
Term
126 months
SBA guaranteed
$311K (75%)
Approval → funding
23 days
Approved
11/7/2019
First disbursed
11/30/2019
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
31
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by CRF Small Business Loan Company, LLC · Lender record →
Your business? Claim this record · Request removal
GMK Subs LLC in Christiansburg, VA — $362K (2020) · purchase · Citizens Bank
Program
7a General
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$271K (75%)
Approval → funding
103 days
Approved
4/24/2020
First disbursed
8/5/2020
Loan status
Paid in full (1/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
28
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$402K
Est. down payment (10%)
$40K
Est. cash at closing
$54K
Monthly payment
$3,923
Annual debt service
$47K
Cash flow needed (1.25×)
$59K
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 Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Sandwich Partners, LLC in Cypress, TX — $305K (2020) · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
123 months
SBA guaranteed
$229K (75%)
Approval → funding
39 days
Approved
12/23/2019
First disbursed
1/31/2020
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 SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Mikara Hills, LLC in Raleigh, NC — $203K (2020) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$152K (75%)
Approval → funding
23 days
Approved
7/8/2020
First disbursed
7/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$226K
Est. down payment (10%)
$23K
Est. cash at closing
$30K
Monthly payment
$2,228
Annual debt service
$27K
Cash flow needed (1.25×)
$33K
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 The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
WW PEACHTREE CORNERS LLC in Peachtree Corners, GA — $136K (2020) · United Bank
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$116K (85%)
Approved
1/28/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by United Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Which Wich? 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 Which Wich businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Which Wich 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. Live Oak Banking Company funds the most. CapBench is not a lender.

$305K typical Which Wich loan
9 lenders fund the brand
27 days typical to fund

Buyers researching a Which Wich 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 Which Wich 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/which-wich
API:: https://www.capbench.com/api/public/lenders?franchise=which-wich
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.