Food & Restaurants · lender intelligence

How to finance a Which Wich in Texas

State:

The SBA 7(a) lenders funding the most Which Wich deals in Texas, from public loan records — typical Which Wich loan about $305K. A bank already funding the brand in your state knows it twice over.

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

$350K

Typical loan

range $305K–$500K

$389K

Est. purchase price

≈ loan ÷ 90%

$52,014

Cash to close

$38,889 down + fees

$4,821/mo

Typical payment

~11% · 10yr

$66,530/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

33 days

Typical time to fund

Lenders competing

more = leverage

8.69%

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 in Texas

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.105 loans · $164M · Brookline, MAFull record →
3.62 loans · $34M · Winter Haven, FLFull record →

4+ funded Which Wich in Texas 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
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
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
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

Buying a Which Wich in Texas? Start with a lender that funds them here

We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.

Free · No documents · Usually same-day

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 Which Wich loans with a Texas project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Which Wich purchase in Texas with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Texas deals. The Huntington National Bank funds the most here. CapBench is not a lender.

$305K typical Which Wich loan
3 lenders active in Texas
4+ funded Texas deals
33 days typical to fund

Buyers buying a Which Wich in Texas typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All Which Wich lenders

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/texas
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.