Food & Restaurants · lender intelligence

How to finance a WNB Factory

State:

The SBA 7(a) lenders funding the most WNB Factory deals, ranked from public loan records — typical WNB Factory loan about $350K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance WNB Factory

$350K

Typical loan

range $175K–$475K

$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

22 days

Typical time to fund

Lenders competing

more = leverage

8.48%

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 WNB Factory

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

1.274 loans · $315M · Los Angeles, CAFull record →
2.60 loans · $130M · Doraville, GAFull record →
3.18 loans · $20M · Fort Lee, NJFull record →
4.139 loans · $102M · Los Angeles, CAFull record →
5.61 loans · $67M · Los Angeles, CAFull record →
6.58 loans · $53M · New York, NYFull record →
7.58 loans · $51M · Burlington, KYFull record →
8.83 loans · $143M · Los Angeles, CAFull record →
9.1,025 loans · $292M · Berkeley Heights, NJFull record →
10.9 loans · $17M · Johns Creek, GAFull record →
11.11 loans · $13M · New York, NYFull record →

16+ funded WNB Factory 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.

WNB FACTORY SC TWO LLC in Greenville, SC — $350K (2026) · Bank of Hope
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approved
1/21/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
Canmi American Inc in Villa Rica, GA — $300K (2026) · purchase · PCB Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approved
2/25/2026
Loan status
Committed
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
$333K
Est. down payment (10%)
$33K
Est. cash at closing
$45K
Monthly payment
$3,720
Annual debt service
$45K
Cash flow needed (1.25×)
$56K
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 PCB Bank · Lender record →
Your business? Claim this record · Request removal
J&K Food Solution LLC in Hoschton, GA — $655K (2025) · purchase · Loyal Trust Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$491K (75%)
Approval → funding
316 days
Approved
1/30/2025
First disbursed
12/12/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$728K
Est. down payment (10%)
$73K
Est. cash at closing
$97K
Monthly payment
$8,476
Annual debt service
$102K
Cash flow needed (1.25×)
$127K
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 Loyal Trust Bank · Lender record →
Your business? Claim this record · Request removal
WNB Factory Carrollton in Carrollton, GA — $500K (2025) · Woori America Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
15 days
Approved
3/25/2025
First disbursed
4/9/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Woori America Bank · Lender record →
Your business? Claim this record · Request removal
WNB Factory RS LLC in Lilburn, GA — $496K (2025) · Heritage Bank Inc
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$372K (75%)
Approved
5/7/2025
Loan status
Cancelled
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 Heritage Bank Inc · Lender record →
Your business? Claim this record · Request removal
GS JUN GA INC in Dacula, GA — $475K (2025) · Bank of Hope
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$356K (75%)
Approval → funding
34 days
Approved
3/27/2025
First disbursed
4/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
WNB Factory Augusta LLC in Augusta, GA — $136K (2025) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$115K (85%)
Approved
11/12/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
GANGSAN GROUP LLC in Atlanta, GA — $465K (2024) · purchase · Metro City Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$349K (75%)
Approval → funding
16 days
Approved
7/30/2024
First disbursed
8/15/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$517K
Est. down payment (10%)
$52K
Est. cash at closing
$69K
Monthly payment
$6,210
Annual debt service
$75K
Cash flow needed (1.25×)
$93K
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 Metro City Bank · Lender record →
Your business? Claim this record · Request removal
JSK DISTRIBUTION LLC in Newnan, GA — $465K (2023) · Metro City Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$349K (75%)
Approval → funding
99 days
Approved
12/6/2022
First disbursed
3/15/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Metro City Bank · Lender record →
Your business? Claim this record · Request removal
WNB FACTORY JE ONE LLC in Gainesville, GA — $370K (2023) · Bank of Hope
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$278K (75%)
Approval → funding
48 days
Approved
7/21/2023
First disbursed
9/7/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
WNB FACTORY EOM LLC in Atlanta, GA — $340K (2023) · Hanmi Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$255K (75%)
Approval → funding
22 days
Approved
10/13/2022
First disbursed
11/4/2022
Loan status
Paid in full (8/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Hanmi Bank · Lender record →
Your business? Claim this record · Request removal
KDS USA LLC in Flowery Branch, GA — $115K (2023) · Bank of Hope
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
179 months
SBA guaranteed
$58K (50%)
Approval → funding
3 days
Approved
9/18/2023
First disbursed
9/21/2023
Loan status
Failed — $108K charged off (5/14/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
KF & JPLUS FOODS LLC in Chamblee, GA — $300K (2022) · New Millennium Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
80 days
Approved
4/25/2022
First disbursed
7/14/2022
Loan status
Paid in full (2/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by New Millennium Bank · Lender record →
Your business? Claim this record · Request removal
SBE DG LLC in Dacula, GA — $170K (2022) · New Millennium Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (75%)
Approved
5/9/2022
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by New Millennium Bank · Lender record →
Your business? Claim this record · Request removal
WNB Factory Decatur LLC in Decatur, GA — $175K (2020) · Shinhan Bank America
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$131K (75%)
Approval → funding
7 days
Approved
12/24/2019
First disbursed
12/31/2019
Loan status
Paid in full (3/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Shinhan Bank America · Lender record →
Your business? Claim this record · Request removal
SBE HG, LLC in Hoschton, GA — $150K (2020) · Open Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
13 days
Approved
8/7/2020
First disbursed
8/20/2020
Loan status
Paid in full (12/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Full-Service Restaurants
Funded by Open Bank · Lender record →
Your business? Claim this record · Request removal

Buying a WNB Factory? 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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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to WNB Factory businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a WNB Factory 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. Bank of Hope funds the most. CapBench is not a lender.

$350K typical WNB Factory loan
11 lenders fund the brand
22 days typical to fund

Buyers researching a WNB Factory 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 WNB Factory 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/wnb-factory
API:: https://www.capbench.com/api/public/lenders?franchise=wnb-factory
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.