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Food & Restaurants · lender intelligence

Financing a full-service restaurants acquisition

The SBA 7(a) lenders funding the most full-service restaurants acquisitions, ranked from public loan records — typical deal about $625K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance full-service restaurants

$443K

Typical loan

range $234K–$871K

$492K

Est. purchase price

≈ loan ÷ 90%

$65,805

Cash to close

$49,200 down + fees

$5,730/mo

Typical payment

~9.5% · 10yr

$79,074/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

98.3%

Still performing

1.7% default · FY20–23

21 days

Typical time to fund

514

Lenders competing

more = leverage

8.3%

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 in full-service restaurants

Ranked by funded full-service restaurants acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.

  1. 1.2,539 loans · $965M · Columbus, OHFull record →
  2. 2.139 loans · $102M · Los Angeles, CAFull record →
  3. 3.274 loans · $315M · Los Angeles, CAFull record →
  4. 4.1,927 loans · $207M · Buffalo, NYFull record →
  5. 5.105 loans · $164M · Brookline, MAFull record →
  6. 6.23 loans · $25M · Los Angeles, CAFull record →
  7. 7.61 loans · $67M · Los Angeles, CAFull record →
  8. 8.868 loans · $362M · Salt Lake City, UTFull record →
  9. 9.29 loans · $28M · Quincy, CAFull record →
  10. 10.168 loans · $205M · Fishers, INFull record →
  11. 11.60 loans · $40M · Clayton, MOFull record →
  12. 12.83 loans · $143M · Los Angeles, CAFull record →
  13. 13.60 loans · $130M · Doraville, GAFull record →
  14. 14.9 loans · $10M · Warren, PAFull record →
  15. 15.16 loans · $18M · Chicago, ILFull record →
  16. 16.116 loans · $120M · Evansville, INFull record →
  17. 17.85 loans · $148M · Los Angeles, CAFull record →
  18. 18.72 loans · $22M · Rockland, MAFull record →
  19. 19.242 loans · $281M · Chicago, ILFull record →
  20. 20.104 loans · $100M · Portsmouth, VAFull record →
  21. 21.1,296 loans · $1.4B · Wilmington, NCFull record →
  22. 22.31 loans · $11M · Green Bay, WIFull record →
  23. 23.105 loans · $72M · Wilmington, DEFull record →
  24. 24.33 loans · $15M · Minneapolis, MNFull record →
  25. 25.149 loans · $135M · Mukwonago, WIFull record →

2,167+ funded full-service restaurants 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.

  • Sabtej Holdings LLC in San Antonio, TX$5.0M (2026) · purchase · Beacon Bank and Trust
  • GRO GC Inc. in Winston Salem, NC$5.0M (2026) · purchase · Truist Bank
  • RPZ LA, LLC in Los Angeles, CA$4.4M (2026) · purchase · Port 51 Lending LLC
  • LATHAM '76 DINER in Latham, NY$3.5M (2026) · purchase · Beacon Bank and Trust
  • JoAI Holdings, LLC in Ambler, PA$3.2M (2026) · purchase · Wilmington Savings Fund Society FSB
  • RADS Property Solutions Inc in Denison, TX$2.9M (2026) · purchase · Security National Bank of Omaha
  • Savor Restaurant in Carmel, IN$2.9M (2026) · purchase · First Internet Bank of Indiana
  • Kalhar Capital Inc. in Brooklyn, NY$2.8M (2026) · purchase · Pathward National Association
  • Great Rise LLC in Avenel, NJ$2.7M (2026) · purchase · Columbia Bank
  • ZANTE HOSPITALITY CO INC. in Albany, NY$2.6M (2026) · purchase · Beacon Bank and Trust
  • Let's Cook LLC in Atlanta, GA$2.4M (2026) · purchase · Ameris Bank
  • Bisou Bisou Incorporated in Apopka, FL$2.3M (2026) · purchase · The Huntington National Bank
  • Hob Nob Diner in Tacoma, WA$2.3M (2026) · purchase · The Huntington National Bank
  • ARA Ventures Group, LLC in Carrollton, TX$2.2M (2026) · purchase · American Continental Bank
  • East Town Investment in Oakland, CA$2.1M (2026) · purchase · American Continental Bank
  • GMP31, LLC in Leonardtown, MD$2.1M (2026) · purchase · The Huntington National Bank
  • Rio Steakhouse Marietta, LLC in Marietta, GA$2.0M (2026) · purchase · CRF Small Business Loan Company, LLC
  • Henry's Acworth LLC in Acworth, GA$1.9M (2026) · purchase · United Community Bank
  • CBK Blue Ginger Inc in Denton, TX$1.9M (2026) · purchase · TowneBank
  • STILLY OASIS LLC in Stillwater, MN$1.9M (2026) · purchase · BankVista

Financing a full-service restaurants deal? Start with a lender that knows it

We'll point you to the SBA lenders already funding deals in your industry — 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 acquisition loans to full-service restaurants businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a full-service restaurants acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. The Huntington National Bank funds the most. CapBench is not a lender.

  • $625K typical loan
  • 514 lenders fund the industry
  • 1.7% default (FY20–23)
  • 21 days typical to fund

Buyers researching a full-service restaurants deal typically pre-qualify, then ask CapBench to introduce a lender that funds the industry — 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 2026-06-22.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
  • 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.
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