Food & Restaurants · lender intelligence
How to finance a Zaxby's
The SBA 7(a) lenders funding the most Zaxby's deals, ranked from public loan records — typical Zaxby's loan about $1.4M, 0% failure rate across 51 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Zaxby's
$1.36M
Typical loan
range $450K–$2.32M
$1.51M
Est. purchase price
≈ loan ÷ 90%
$207,755
Cash to close
$151,467 down + fees
$17,639/mo
Typical payment
~9.5% · 10yr
$243,418/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
100.0%
Still performing
0% default · FY20–23
25 days
Typical time to fund
20
Lenders competing
more = leverage
7.28%
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 Zaxby's
Ranked by funded Zaxby's 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 →
- 2.66 loans · $68M · Milford, IAFull record →
- 3.36 loans · $46M · Los Angeles, CAFull record →
- 4.1 loans · $1M · Lincoln, NEFull record →
- 5.36 loans · $51M · Carmel, INFull record →
- 6.72 loans · $30M · Oconomowoc, WIFull record →
- 7.28 loans · $32M · Saint Joseph, MIFull record →
- 8.2,539 loans · $965M · Columbus, OHFull record →
- 9.9 loans · $13M · Atlanta, GAFull record →
- 10.8 loans · $7M · Dickson, TNFull record →
- 11.291 loans · $320M · Laguna Hills, CAFull record →
- 12.23 loans · $30M · Stuart, FLFull record →
- 13.10 loans · $2M · Jefferson City, MOFull record →
- 14.105 loans · $51M · Fitzgerald, GAFull record →
- 15.12 loans · $3M · Corydon, INFull record →
- 16.97 loans · $96M · Raleigh, NCFull record →
- 17.1,322 loans · $185M · Wilmington, DEFull record →
- 18.34 loans · $57M · Charlotte, NCFull record →
- 19.62 loans · $34M · Winter Haven, FLFull record →
- 20.47 loans · $39M · Greenville, PAFull record →
51+ funded Zaxby's 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.
- GK Ashland LLC in Ashland, VA — $2.3M (2026) · United FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 308 months
- SBA guaranteed
- $1.7M (75%)
- Approved
- 1/22/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by United FCU · Lender record →
Your business? Claim this record · Request removal
- Zaxby's in Lutherville Timonium, MD — $2.1M (2026) · Harvest Small Business Finance, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.6M (75%)
- Approval → funding
- 11 days
- Approved
- 11/24/2025
- First disbursed
- 12/5/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Harvest Small Business Finance, LLC · Lender record →
Your business? Claim this record · Request removal
- 3260 BOSTON CHICKEN LLC in Bronx, NY — $1.7M (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 25 days
- Approved
- 1/29/2026
- First disbursed
- 2/23/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 77
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Monarch Restaurant Group Inc in Scottsdale, AZ — $500K (2026) · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (50%)
- Approved
- 1/6/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Full-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- LATTAKIA GROUP L.L.C. in Rosedale, MD — $500K (2026) · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $250K (50%)
- Approved
- 1/15/2026
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- CKN INC. in Orange City, FL — $450K (2026) · Live Oak Banking Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (50%)
- Approved
- 3/3/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 34
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- TSGZ LLC. in Clanton, AL — $150K (2026) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 7 days
- Approved
- 12/12/2025
- First disbursed
- 12/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 40
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $1,860
- Annual debt service
- $22K
- Cash flow needed (1.25×)
- $28K
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
- Axiom Hosts, LLC in Middletown, OH — $3.5M (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.99% fixed
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $2.6M (75%)
- Approval → funding
- 80 days
- Approved
- 9/30/2025
- First disbursed
- 12/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Perry Chicken LLC in Perry, FL — $3.2M (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $2.4M (75%)
- Approval → funding
- 60 days
- Approved
- 3/13/2025
- First disbursed
- 5/12/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 45
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- Zaxby's in Prince George, VA — $3.1M (2025) · United FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 308 months
- SBA guaranteed
- $2.3M (75%)
- Approval → funding
- 111 days
- Approved
- 9/3/2025
- First disbursed
- 12/23/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by United FCU · Lender record →
Your business? Claim this record · Request removal
- CZOE, LLC in Clanton, AL — $2.8M (2025) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.1M (75%)
- Approval → funding
- 17 days
- Approved
- 8/22/2025
- First disbursed
- 9/8/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 23
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $3.1M
- Est. down payment (10%)
- $306K
- Est. cash at closing
- $422K
- Monthly payment
- $20,322
- Annual debt service
- $244K
- Cash flow needed (1.25×)
- $305K
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
- VHZOE, LLC in Vestavia Hills, AL — $1.5M (2025) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 17 days
- Approved
- 8/22/2025
- First disbursed
- 9/8/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 17
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.6M
- Est. down payment (10%)
- $165K
- Est. cash at closing
- $226K
- Monthly payment
- $10,952
- Annual debt service
- $131K
- Cash flow needed (1.25×)
- $164K
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
- Magnolia Chicken LLC in Magnolia, NJ — $1.2M (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 126 months
- SBA guaranteed
- $926K (75%)
- Approval → funding
- 15 days
- Approved
- 9/11/2025
- First disbursed
- 9/26/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 33
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
- WTCB2, LLC in Nashville, TN — $1.2M (2025) · purchase · Seacoast National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $878K (75%)
- Approval → funding
- 34 days
- Approved
- 4/15/2025
- First disbursed
- 5/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 55
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.3M
- Est. down payment (10%)
- $130K
- Est. cash at closing
- $178K
- Monthly payment
- $15,140
- Annual debt service
- $182K
- Cash flow needed (1.25×)
- $227K
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 Seacoast National Bank · Lender record →
Your business? Claim this record · Request removal
- GK Hopewell LLC in North Prince George, VA — $175K (2025) · Ameris Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $88K (50%)
- Approved
- 3/25/2025
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Ameris Bank · Lender record →
Your business? Claim this record · Request removal
- Axiom Hosts, LLC in Middletown, OH — $100K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approved
- 9/30/2025
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- RMW1 LLC in Waldorf, MD — $3.2M (2024) · TD Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.82% fixed
- Term
- 312 mo (26 yrs)
- SBA guaranteed
- $2.4M (75%)
- Approval → funding
- 27 days
- Approved
- 12/15/2023
- First disbursed
- 1/11/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 168
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Zell Moore Chicken, Inc. in Greenville, TX — $2.9M (2024) · First-Citizens Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.2% fixed
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.2M (75%)
- Approval → funding
- 57 days
- Approved
- 10/3/2023
- First disbursed
- 11/29/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 36
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First-Citizens Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
- Leavenworth KS LLC in Leavenworth, KS — $2.8M (2024) · Merchants Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $2.1M (75%)
- Approval → funding
- 24 days
- Approved
- 6/9/2024
- First disbursed
- 7/3/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 68
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
- OAK GROVE KC LLC in Oak Grove, MO — $1.4M (2024) · Merchants Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 23 days
- Approved
- 6/9/2024
- First disbursed
- 7/2/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 64
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Buying a Zaxby's? 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 Zaxby's businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Zaxby's 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.
- $1.4M typical Zaxby's loan
- 0% failure rate (FY20–23)
- 20 lenders fund the brand
- 25 days typical to fund
Buyers researching a Zaxby's 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.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-22.
- 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.