Buying a Pizza Ranch franchise: SBA acquisition loan data
Since FY2018, SBA lenders have approved 7 7(a) loans to buy an existing Pizza Ranch (classified mostly as Full-Service Restaurants), totaling $7.9M. The median loan was $469,700, 27% lower than the $645,250 median for all SBA-financed acquisitions.
Seller note standby terms and third-party consents are reviewed before closing.
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What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of Pizza Ranch resale loans landed between $320,000 and $912,000.
- Lender experience exists. Sunflower Bank National Association alone has financed 3 Pizza Ranch resales.
- Guaranty. The SBA guaranteed 74% of the dollars lent here.
- What the file leaves out. The SBA file does not record franchisor transfer terms or fees.
Financing a Pizza Ranch resale
The median SBA 7(a) loan for a Pizza Ranch resale was $469,700 across 7 loans (FY2018 to FY2026). Sunflower Bank National Association, First Bank and Community Bank of Oelwein have financed the most Pizza Ranch 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%.
Pizza Ranch acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 1 | $420K | $420,000 | |
| FY2020 | 4 | $6.8M | $912,000 | |
| FY2021 | 0 | $0 | - | |
| FY2022 | 1 | $220K | $220,000 | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 1 | $470K | $469,700 | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Fewer than 20 Pizza Ranch 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.
Seller note standby terms and third-party consents are reviewed before closing.
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Lenders financing Pizza Ranch resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Sunflower Bank National Association | 3 | 42.9% | $2M | |
| 2 | First Bank | 1 | 14.3% | $4.8M | |
| 3 | Community Bank of Oelwein | 1 | 14.3% | $470K | |
| 4 | The First National Bank in Sioux Falls | 1 | 14.3% | $420K | |
| 5 | United Bank of Iowa | 1 | 14.3% | $220K |
States where Pizza Ranch units are bought
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Kansas | 3 | 42.9% | $2M | |
| 2 | Iowa | 2 | 28.6% | $690K | |
| 3 | Wisconsin | 1 | 14.3% | $4.8M | |
| 4 | South Dakota | 1 | 14.3% | $420K |
The purchase agreement decides what you bought, not the loan approval.
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How lenders classify Pizza Ranch
Lenders code each loan to a NAICS industry. For Pizza Ranch the codes used were:
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Full-Service Restaurants | 3 | 42.9% | $5.4M | |
| 2 | Cafeterias, Grill Buffets, and Buffets | 3 | 42.9% | $2M | |
| 3 | Limited-Service Restaurants | 1 | 14.3% | $470K |
Questions buyers ask
How much do buyers borrow to buy a Pizza Ranch franchise?
The median SBA 7(a) loan for a Pizza Ranch resale was $469,700 across 7 loans (FY2018 to FY2026). The middle half of loans ran from $320,000 to $912,000. 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 Pizza Ranch acquisitions?
Sunflower Bank National Association has made the most SBA acquisition loans for Pizza Ranch (3, 43% of the total). First Bank, Community Bank of Oelwein, The First National Bank in Sioux Falls follow.
What interest rate and term do Pizza Ranch acquisition loans carry?
The average initial rate at approval was 5.98% (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 Pizza Ranch resale riskier than other SBA-financed acquisitions?
Too few Pizza Ranch 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 Pizza Ranch units being bought with SBA loans?
Kansas (3), Iowa (2), Wisconsin (1), South Dakota (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.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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Related
- All Full-Service Restaurants acquisitions
- Kansas acquisitions
- Iowa acquisitions
- Wisconsin acquisitions
- Sunflower Bank National Association
- First Bank
- All franchise brands
Brand name as recorded by lenders in the SBA file: "Pizza Ranch" (franchise code S1317). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.