Food & Restaurants · lender intelligence
How to finance a Wendy's
The SBA 7(a) lenders funding the most Wendy's deals, ranked from public loan records — typical Wendy's loan about $942K. A bank that has funded the brand knows the model — faster approvals, better terms.
Most active with Wendy's
Ranked by funded Wendy's loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.242 loans · $281M · Chicago, ILFull record →
- 2.2,539 loans · $965M · Columbus, OHFull record →
- 3.33 loans · $54M · Sun Valley, CAFull record →
- 4.1,322 loans · $185M · Wilmington, DEFull record →
- 5.1,927 loans · $207M · Buffalo, NYFull record →
- 6.138 loans · $276M · Sioux Falls, SDFull record →
- 7.1,296 loans · $1.4B · Wilmington, NCFull record →
- 8.12 loans · $8M · Bakersfield, CAFull record →
- 9.18 loans · $24M · Madison, WIFull record →
20+ funded Wendy's 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.
- White Lake Group LLC in Fenton, MI — $605K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $454K (75%)
- Approved
- 2/6/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- White Lake Group LLC in Fenton, MI — $50K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 2/6/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- DJLD Restaurant Group Inc in Myrtle Beach, SC — $2.6M (2025) · Pathward National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.9M (75%)
- Approved
- 9/29/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 165
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Pathward National Association · Lender record →
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- Limitless Restaurant Group Inc in Ridgecrest, CA — $682K (2025) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $512K (75%)
- Approval → funding
- 77 days
- Approved
- 5/19/2025
- First disbursed
- 8/4/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- Four 8888 Systems Inc. in Arcade, NY — $525K (2025) · Manufacturers and Traders Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $394K (75%)
- Approval → funding
- 151 days
- Approved
- 7/7/2025
- First disbursed
- 12/5/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 60
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Manufacturers and Traders Trust Company · Lender record →
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- ROSEWOOD CAPITAL LLC in New Castle, DE — $500K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.99% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 167 days
- Approved
- 5/15/2025
- First disbursed
- 10/29/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
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- Limitless Restaurant Group Inc in Ridgecrest, CA — $50K (2025) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 270 days
- Approved
- 5/19/2025
- First disbursed
- 2/13/2026
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- DEPENDABLE FOODS INC in Wasco, CA — $1.1M (2024) · Mission Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $836K (75%)
- Approval → funding
- 14 days
- Approved
- 8/29/2024
- First disbursed
- 9/12/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 62
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Mission Bank · Lender record →
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- RAY AN ENTERPRISES II, LLC in Phoenix, AZ — $942K (2024) · First Business Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 126 months
- SBA guaranteed
- $707K (75%)
- Approved
- 9/28/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First Business Bank · Lender record →
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- RIISE Hospitality Group, LLC in Weed, CA — $673K (2024) · TD Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.35% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $505K (75%)
- Approval → funding
- 7 days
- Approved
- 3/19/2024
- First disbursed
- 3/26/2024
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by TD Bank, National Association · Lender record →
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- RIISE Hospitality Group, LLC in Yreka, CA — $673K (2024) · TD Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.35% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $505K (75%)
- Approval → funding
- 7 days
- Approved
- 3/19/2024
- First disbursed
- 3/26/2024
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by TD Bank, National Association · Lender record →
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- Wendy's Old Fashioned Hamburgers in Oakley, CA — $3.4M (2023) · Mission Valley Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 309 months
- SBA guaranteed
- $2.6M (75%)
- Approval → funding
- 23 days
- Approved
- 5/9/2023
- First disbursed
- 6/1/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 35
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Mission Valley Bank · Lender record →
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- Wow Ventures, Inc. in Oakley, CA — $3.4M (2022) · Mission Valley Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 306 months
- SBA guaranteed
- $2.6M (75%)
- Approved
- 9/9/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 36
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Mission Valley Bank · Lender record →
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- Wow Ventures, Inc. in Salinas, CA — $1.6M (2022) · purchase · Mission Valley Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.2M (75%)
- Approval → funding
- 8 days
- Approved
- 9/22/2022
- First disbursed
- 9/30/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 60
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.7M
- Est. down payment (10%)
- $174K
- Est. cash at closing
- $240K
- Monthly payment
- $18,628
- Annual debt service
- $224K
- Cash flow needed (1.25×)
- $279K
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 Mission Valley Bank · Lender record →
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- Tickle Your Taste Inc in New York, NY — $1.4M (2021) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% fixed
- Term
- 123 months
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 12 days
- Approved
- 5/19/2021
- First disbursed
- 5/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 80
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Byline Bank · Lender record →
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- TAH Food Group, Inc in New York, NY — $1.4M (2021) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 123 months
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 12 days
- Approved
- 5/19/2021
- First disbursed
- 5/31/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 80
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
- Himani Hospitality Group Inc in New York, NY — $315K (2021) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $236K (75%)
- Approval → funding
- 8 days
- Approved
- 6/21/2021
- First disbursed
- 6/29/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 90
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Byline Bank · Lender record →
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- Sabina Hospitality Inc in New York, NY — $315K (2021) · purchase · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $236K (75%)
- Approval → funding
- 4 days
- Approved
- 6/21/2021
- First disbursed
- 6/25/2021
- Loan status
- Paid in full (12/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 95
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $350K
- Est. down payment (10%)
- $35K
- Est. cash at closing
- $47K
- Monthly payment
- $3,497
- Annual debt service
- $42K
- Cash flow needed (1.25×)
- $52K
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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
- ALL ABOUT FOODS GROUP INC in Flushing, NY — $2.3M (2020) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 123 months
- SBA guaranteed
- $1.8M (75%)
- Approval → funding
- 57 days
- Approved
- 11/4/2019
- First disbursed
- 12/31/2019
- Loan status
- Paid in full (5/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 70
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
- Zari Foods LLC in New York, NY — $1.6M (2020) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 123 months
- SBA guaranteed
- $1.2M (75%)
- Approval → funding
- 21 days
- Approved
- 12/10/2019
- First disbursed
- 12/31/2019
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 24
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Wendy's? 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 Wendy's businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Wendy's 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. Byline Bank funds the most. DealRoom is not a lender.
- $942K typical Wendy's loan
- 9 lenders fund the brand
- 14 days typical to fund
Buyers researching a Wendy's 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.