Food & Restaurants · lender intelligence
How to finance a Which Wich in Virginia
The SBA 7(a) lenders funding the most Which Wich deals in Virginia, 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 Virginia
$362K
Typical loan
range $300K–$862K
$402K
Est. purchase price
≈ loan ÷ 90%
$53,724
Cash to close
$40,167 down + fees
$4,678/mo
Typical payment
~9.5% · 10yr
$64,556/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
36 days
Typical time to fund
2
Lenders competing
more = leverage
6.48%
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 Virginia
Ranked by funded Which Wich loans in Virginia. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,296 loans · $1.4B · Wilmington, NCFull record →
- 2.149 loans · $135M · Mukwonago, WIFull record →
3+ funded Which Wich in Virginia 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.
- 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
- 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
- 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
Buying a Which Wich in Virginia? 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.
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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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded Which Wich loans with a Virginia project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Which Wich purchase in Virginia with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Virginia deals. Live Oak Banking Company funds the most here. CapBench is not a lender.
- $305K typical Which Wich loan
- 2 lenders active in Virginia
- 3+ funded Virginia deals
- 36 days typical to fund
Buyers buying a Which Wich in Virginia 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.
- 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.
- 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.