Buying a Rosati's Pizza franchise: SBA acquisition loan data
Since FY2018, SBA lenders have approved 8 7(a) loans to buy an existing Rosati's Pizza (classified mostly as Limited-Service Restaurants), totaling $3M. The median loan was $283,500, 56% lower than the $645,250 median for all SBA-financed acquisitions.
The purchase agreement decides what you bought, not the loan approval.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of Rosati's Pizza resale loans landed between $200,000 and $415,200.
- Lender experience exists. The Huntington National Bank alone has financed 5 Rosati's Pizza resales.
- Guaranty. The SBA guaranteed 76% of the dollars lent here.
- What the file leaves out. The SBA file does not record franchisor transfer terms or fees.
Financing a Rosati's Pizza resale
The median SBA 7(a) loan for a Rosati's Pizza resale was $283,500 across 8 loans (FY2018 to FY2026). The Huntington National Bank, United Bank and Citizens Bank have financed the most Rosati's Pizza 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%.
Rosati's Pizza acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 3 | $1.1M | $243,000 | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 0 | $0 | - | |
| FY2021 | 2 | $356K | $178,000 | |
| FY2022 | 3 | $1.5M | $348,600 | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Fewer than 20 Rosati's Pizza 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.
The purchase agreement decides what you bought, not the loan approval.
Request Engagement AssessmentAll 50 states. Free consultation.
Lenders financing Rosati's Pizza resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 5 | 62.5% | $1.8M | |
| 2 | United Bank | 1 | 12.5% | $615K | |
| 3 | Citizens Bank | 1 | 12.5% | $324K | |
| 4 | First Internet Bank of Indiana | 1 | 12.5% | $243K |
States where Rosati's Pizza units are bought
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsFree consultation. All 50 states.
How lenders classify Rosati's Pizza
Lenders code each loan to a NAICS industry. For Rosati's Pizza the codes used were:
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Limited-Service Restaurants | 4 | 50.0% | $1.6M | |
| 2 | Full-Service Restaurants | 4 | 50.0% | $1.3M |
Questions buyers ask
How much do buyers borrow to buy a Rosati's Pizza franchise?
The median SBA 7(a) loan for a Rosati's Pizza resale was $283,500 across 8 loans (FY2018 to FY2026). The middle half of loans ran from $200,000 to $415,200. 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 Rosati's Pizza acquisitions?
The Huntington National Bank has made the most SBA acquisition loans for Rosati's Pizza (5, 63% of the total). United Bank, Citizens Bank, First Internet Bank of Indiana follow.
What interest rate and term do Rosati's Pizza acquisition loans carry?
The average initial rate at approval was 6.66% (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 Rosati's Pizza resale riskier than other SBA-financed acquisitions?
Too few Rosati's Pizza 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 Rosati's Pizza units being bought with SBA loans?
Illinois (6), Georgia (1), Nevada (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.
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
Advertise on this site: lenders, brokers, valuation and insurance firms. See options
Related
- All Limited-Service Restaurants acquisitions
- Illinois acquisitions
- Georgia acquisitions
- Nevada acquisitions
- The Huntington National Bank
- Citizens Bank
- First Internet Bank of Indiana
- All franchise brands
Brand name as recorded by lenders in the SBA file: "Rosati's Pizza" (franchise code S1450). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.