How much does a Krystal cost to buy or open?

The typical deal for Krystal is $322K across 1 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $35K of buyer cash on a typical deal.

How risky is Krystal?

Krystal has 1 SBA loan 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 Krystal with an SBA loan?

Yes — Krystal has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

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Krystal, 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 S0961)

1 deals since 2020 · typical deal $322K

Deals since 2020

$322K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Krystal has 1 SBA deal 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 Krystal

Most Krystal deals financed between $322K and $322K. Above $322K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$322K

Monthly payment (10-yr): $4,474
Down payment (10%): $36K
Cash to close (all-in): $48K

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 ~$48K)

Experience

Recent financings

Crescent Bourbon LLC in New Orleans, LA — $322K (2024) · Hancock Whitney Bank
Program
7a General
Rate at approval
11% variable
Term

Krystal, by the numbers

Recent financings

Who funds Krystal — and where

Common questions

How much does a Krystal cost to buy or open?

How risky is Krystal?

Can I finance a Krystal with an SBA loan?

AI summary

Agent summary