O'Charley's: SBA-listed ✓
O'Charley's appears in the official SBA Franchise Directory — buyers can finance it with a 7(a) loan.
Listed
SBA Franchise Directory
S6380
SBA identifier
03/02/2021
Listed since
—
Franchisor certified
No financed deals for O'Charley's appear in public lending records since 2020 — common for newer or smaller brands. Eligibility is what matters: the listing above means a 7(a) lender can fund your purchase or build-out today.
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Common questions
Is O'Charley's SBA approved?
Yes. O'Charley's is listed in the official SBA Franchise Directory under identifier S6380, listed since 03/02/2021. Listed brands are eligible for SBA 7(a) and 504 financing.
What does the listing require?
O'Charley's is listed. Your lender confirms current status at application.
How do I finance a O'Charley's?
The same 7(a) path as any franchise: 10% minimum down, 10-year terms, underwritten on the unit's cash flow. Talk to a lender who knows franchise lending before the LOI.
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Directory status as of May 2026. Confirm current listing with your lender before an LOI. Not affiliated with O'Charley's.