Buying a Fox's Pizza Den franchise: SBA acquisition loan data
Since FY2018, SBA lenders have approved 5 7(a) loans to buy an existing Fox's Pizza Den (classified mostly as Full-Service Restaurants), totaling $1.1M. The median loan was $149,700, 77% lower than the $645,250 median for all SBA-financed acquisitions.
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What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of Fox's Pizza Den resale loans landed between $120,000 and $280,000.
- Lender experience exists. FNB Bank Inc alone has financed 1 Fox's Pizza Den resales.
- Guaranty. The SBA guaranteed 61% of the dollars lent here.
- What the file leaves out. The SBA file does not record franchisor transfer terms or fees.
Financing a Fox's Pizza Den resale
The median SBA 7(a) loan for a Fox's Pizza Den resale was $149,700 across 5 loans (FY2018 to FY2026). FNB Bank Inc, Marshland CU and Newtek Small Business Finance, LLC have financed the most Fox's Pizza Den resales. Too few of these loans are old enough to measure a charge-off rate; the average for all SBA acquisition loans is 3.5%.
Fox's Pizza Den acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 1 | $71K | $70,800 | |
| FY2020 | 1 | $120K | $120,000 | |
| FY2021 | 0 | $0 | - | |
| FY2022 | 2 | $430K | $214,850 | |
| FY2023 | 1 | $497K | $497,000 | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Fewer than 20 Fox's Pizza Den acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Lenders financing Fox's Pizza Den resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | FNB Bank Inc | 1 | 20.0% | $497K | |
| 2 | Marshland CU | 1 | 20.0% | $280K | |
| 3 | Newtek Small Business Finance, LLC | 1 | 20.0% | $150K | |
| 4 | Dollar Bank, A Federal Savings Bank | 1 | 20.0% | $120K | |
| 5 | Merchants Bank of Indiana | 1 | 20.0% | $71K |
States where Fox's Pizza Den units are bought
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Pennsylvania | 2 | 40.0% | $270K | |
| 2 | West Virginia | 1 | 20.0% | $497K | |
| 3 | Georgia | 1 | 20.0% | $280K | |
| 4 | Indiana | 1 | 20.0% | $71K |
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How lenders classify Fox's Pizza Den
Lenders code each loan to a NAICS industry. For Fox's Pizza Den the codes used were:
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Full-Service Restaurants | 2 | 40.0% | $777K | |
| 2 | Limited-Service Restaurants | 2 | 40.0% | $221K | |
| 3 | All Other Specialty Food Retailers | 1 | 20.0% | $120K |
Questions buyers ask
How much do buyers borrow to buy a Fox's Pizza Den franchise?
The median SBA 7(a) loan for a Fox's Pizza Den resale was $149,700 across 5 loans (FY2018 to FY2026). The middle half of loans ran from $120,000 to $280,000. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Fox's Pizza Den acquisitions?
FNB Bank Inc has made the most SBA acquisition loans for Fox's Pizza Den (1, 20% of the total). Marshland CU, Newtek Small Business Finance, LLC, Dollar Bank, A Federal Savings Bank follow.
What interest rate and term do Fox's Pizza Den acquisition loans carry?
The average initial rate at approval was 6.22% (a blend of fixed and variable loans across several rate environments, so treat it as context, not a quote). The median term was 10 years.
Is a Fox's Pizza Den resale riskier than other SBA-financed acquisitions?
Too few Fox's Pizza Den acquisition loans are old enough to measure. The benchmark for all SBA acquisition loans is 3.5% charged off in the FY2018 to FY2021 cohort.
Where are Fox's Pizza Den units being bought with SBA loans?
Pennsylvania (2), West Virginia (1), Georgia (1), Indiana (1). State counts follow where the brand has units and where SBA lending is most active generally; see the state pages for the overall picture.
The purchase agreement decides what you bought, not the loan approval.
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Related
- All Full-Service Restaurants acquisitions
- Pennsylvania acquisitions
- West Virginia acquisitions
- Georgia acquisitions
- Newtek Small Business Finance, LLC
- Merchants Bank of Indiana
- All franchise brands
Brand name as recorded by lenders in the SBA file: "Fox's Pizza Den" (franchise code S0666). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.