How much does a Hardee's cost to buy or open?

The typical deal for Hardee's is $1.4M across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $151K of buyer cash on a typical deal.

How risky is Hardee's?

Hardee's has 3 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a Hardee's with an SBA loan?

Yes — Hardee's has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

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Hardee's, 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 S0791)

3 deals since 2020 · typical deal $1.4M

Deals since 2020

$1.4M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Hardee's has 3 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 Hardee's

Most Hardee's deals financed between $690K and $4.50M. Above $4.50M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$1.37M

Monthly payment (10-yr): $17,916
Down payment (10%): $152K
Cash to close (all-in): $209K

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 ~$209K)

Experience

Recent financings

Hardee's in Niles, MI — $690K (2025) · purchase · United FCU
Program
7a General
Rate at approval
10.25% variable
Term
300 mo (25 yrs)

Hardee's, by the numbers

Recent financings

Who funds Hardee's — and where

Common questions

How much does a Hardee's cost to buy or open?

How risky is Hardee's?

Can I finance a Hardee's with an SBA loan?

AI summary