Food & Restaurants · lender intelligence
How to finance a A&W
The SBA 7(a) lenders funding the most A&W deals, ranked from public loan records — typical A&W loan about $1.0M. A bank that has funded the brand knows the model — faster approvals, better terms.
Most active with A&W
Ranked by funded A&W loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.5 loans · $8M · Kent, OHFull record →
- 2.75 loans · $98M · Sioux Falls, SDFull record →
- 3.2 loans · $1M · Clinton Township, MIFull record →
- 4.38 loans · $26M · Richmond City, VAFull record →
- 5.46 loans · $85M · Salt Lake City, UTFull record →
- 6.3 loans · $3M · Iron Mountain, MIFull record →
- 7.8 loans · $1M · Hays, KSFull record →
- 8.2 loans · $1M · Minot, NDFull record →
- 9.28 loans · $35M · West Memphis, ARFull record →
- 10.168 loans · $205M · Fishers, INFull record →
12+ funded A&W 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.
- JBB Properties, LLC in Jefferson, IA — $1.5M (2025) · purchase · Atlantic Union Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 54 days
- Approved
- 1/15/2025
- First disbursed
- 3/10/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 22
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.7M
- Est. down payment (10%)
- $167K
- Est. cash at closing
- $229K
- Monthly payment
- $12,846
- Annual debt service
- $154K
- Cash flow needed (1.25×)
- $193K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Atlantic Union Bank · Lender record →
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- 151 Restaurant LLC in Darlington, SC — $845K (2025) · Milestone Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 129 months
- SBA guaranteed
- $634K (75%)
- Approval → funding
- 21 days
- Approved
- 2/19/2025
- First disbursed
- 3/12/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Milestone Bank · Lender record →
Your business? Claim this record · Request removal
- Umu Onoh Inc. in Eaton, CO — $1.6M (2023) · purchase · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.2M (75%)
- Approval → funding
- 11 days
- Approved
- 9/21/2023
- First disbursed
- 10/2/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 27
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.8M
- Est. down payment (10%)
- $178K
- Est. cash at closing
- $244K
- Monthly payment
- $13,979
- Annual debt service
- $168K
- Cash flow needed (1.25×)
- $210K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
- SM Property Group LLC in Garden City, MI — $700K (2023) · Michigan Schools and Government Credit Union
- Program
- 7a General
- Rate at approval
- 7.5% fixed
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $525K (75%)
- Approval → funding
- 7 days
- Approved
- 9/27/2023
- First disbursed
- 10/4/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 21
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Michigan Schools and Government Credit Union · Lender record →
Your business? Claim this record · Request removal
- Gurkirpa Real Estate Investment Group LLC in Ellis, KS — $1.4M (2022) · Bank of Hays
- Program
- Preferred Lenders Program
- Rate at approval
- 5% fixed
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 363 days
- Approved
- 3/15/2022
- First disbursed
- 3/13/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Bank of Hays · Lender record →
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- Kaufman Smith Enterprise, LLC in Menominee, MI — $233K (2022) · First National Bank & Trust Co
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $116K (50%)
- Approval → funding
- 15 days
- Approved
- 11/16/2021
- First disbursed
- 12/1/2021
- Loan status
- Failed — $175K charged off (3/31/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by First National Bank & Trust Co · Lender record →
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- Nisswa A & W in Brainerd, MN — $163K (2022) · First Western Bank & Trust
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 4.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $81K (50%)
- Approval → funding
- 1 days
- Approved
- 3/30/2022
- First disbursed
- 3/31/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Individual
- Jobs supported
- 9
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by First Western Bank & Trust · Lender record →
Your business? Claim this record · Request removal
- HL Pit Stop L.L.C. in Howard Lake, MN — $2.1M (2021) · Harvest Bank
- Program
- 7a General
- Rate at approval
- 4.75% fixed
- Term
- 306 months
- SBA guaranteed
- $1.9M (90%)
- Approval → funding
- 63 days
- Approved
- 6/17/2021
- First disbursed
- 8/19/2021
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Existing or more than 2 years old
- Industry
- Gasoline Stations with Convenience Stores
Funded by Harvest Bank
Your business? Claim this record · Request removal
- Fuel Express Food Mart Inc. in Dubuque, IA — $1.4M (2021) · purchase · Hometown Bank
- Program
- 7a General
- Rate at approval
- 5.25% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 137 days
- Approved
- 11/19/2020
- First disbursed
- 4/5/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- Change of Ownership
- Industry
- Gasoline Stations with Convenience Stores
If you were the buyer here
- Est. deal size
- $1.6M
- Est. down payment (10%)
- $157K
- Est. cash at closing
- $215K
- Monthly payment
- $8,449
- Annual debt service
- $101K
- Cash flow needed (1.25×)
- $127K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Hometown Bank · Lender record →
Your business? Claim this record · Request removal
- Victual Inc. in Boscobel, WI — $1.0M (2021) · purchase · Clare Bank, National Association
- Program
- 7a General
- Rate at approval
- 5% fixed
- Term
- 240 mo (20 yrs)
- SBA guaranteed
- $770K (75%)
- Approval → funding
- 62 days
- Approved
- 12/4/2020
- First disbursed
- 2/4/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 76
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $114K
- Est. cash at closing
- $156K
- Monthly payment
- $6,778
- Annual debt service
- $81K
- Cash flow needed (1.25×)
- $102K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Clare Bank, National Association
Your business? Claim this record · Request removal
- AW Garden City Inc in Garden City, MI — $993K (2021) · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $894K (90%)
- Approved
- 9/29/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
- LONE DEVELOPMENT LLC in Hot Springs, AR — $479K (2021) · Evolve Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $431K (90%)
- Approval → funding
- 13 days
- Approved
- 6/10/2021
- First disbursed
- 6/23/2021
- Loan status
- Paid in full (7/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 50
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Evolve Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Buying a A&W? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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DealRoom analysis of public SBA 7(a) lending records; ranked by funded loans to A&W businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a A&W purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Hometown Bank funds the most. DealRoom is not a lender.
- $1.0M typical A&W loan
- 12 lenders fund the brand
- 21 days typical to fund
Buyers researching a A&W typically pre-qualify for SBA 7(a) financing next, then ask DealRoom to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the DealRoom MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-16.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); DealRoom lender and franchise enrichment.
- Canonical: