Food & Restaurants · lender intelligence

How to finance a Wingstop in California

State:

The SBA 7(a) lenders funding the most Wingstop deals in California, from public loan records — typical Wingstop loan about $540K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Wingstop in California

$453K

Typical loan

range $450K–$554K

$503K

Est. purchase price

≈ loan ÷ 90%

$67,321

Cash to close

$50,333 down + fees

$5,862/mo

Typical payment

~9.5% · 10yr

$80,896/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

22 days

Typical time to fund

Lenders competing

more = leverage

6.6%

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 Wingstop in California

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

1.101 loans · $81M · Pasadena, CAFull record →
2.149 loans · $135M · Mukwonago, WIFull record →
3.112 loans · $112M · Irving, TXFull record →

5+ funded Wingstop in California 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.

PARADISE WINGS ENTERPRISE in San Diego, CA — $50K (2026) · East West Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
60 mo (5 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
8 days
Approved
2/18/2026
First disbursed
2/26/2026
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
15
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by East West Bank · Lender record →
Your business? Claim this record · Request removal
B&S Real Estate Holdings LLC in Arcadia, CA — $1.0M (2021) · VelocitySBA, LLC
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$918K (90%)
Approval → funding
22 days
Approved
8/1/2021
First disbursed
8/23/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
84
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by VelocitySBA, LLC · Lender record →
Your business? Claim this record · Request removal
Zenith Wings Valencia Inc. in Santa Clarita, CA — $554K (2021) · KeyPoint CU
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$499K (90%)
Approval → funding
38 days
Approved
8/20/2021
First disbursed
9/27/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
34
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by KeyPoint CU
Your business? Claim this record · Request removal
ZENITH WINGS CASTAIC INC. in Castaic, CA — $450K (2021) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$338K (75%)
Approval → funding
5 days
Approved
10/26/2020
First disbursed
10/31/2020
Loan status
Paid in full (4/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
24
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
CityWings Restaurant Group LLC in Long Beach, CA — $453K (2020) · purchase · East West Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$340K (75%)
Approved
3/2/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$503K
Est. down payment (10%)
$50K
Est. cash at closing
$67K
Monthly payment
$5,202
Annual debt service
$62K
Cash flow needed (1.25×)
$78K
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 East West Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Wingstop in California? 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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CapBench analysis of public SBA 7(a) lending records; ranked by funded Wingstop loans with a California project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Wingstop purchase in California with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded California deals. East West Bank funds the most here. CapBench is not a lender.

$540K typical Wingstop loan
4 lenders active in California
5+ funded California deals
22 days typical to fund

Buyers buying a Wingstop in California 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 Wingstop 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/wingstop/california
API:: https://www.capbench.com/api/public/lenders?franchise=wingstop
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.