First Watch, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S0643)
2 deals since 2020 · typical deal $1.0M
2
Deals since 2020
$1.0M
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
First Watch has 2 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.
What buyers pay for First Watch
Most First Watch deals financed between $1.00M and $1.02M. Above $1.02M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $13,299
- Down payment (10%)
- $113K
- Cash to close (all-in)
- $155K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$155K)
Experience
Recent financings
- RAS Concepts IV, LLC in Augusta, GA — $1.0M (2021) · Meridian Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term