Full-Service Restaurants acquisitions in Arkansas: SBA loan data
Since FY2018, SBA lenders have approved 13 7(a) loans to buy an existing business classified as Full-Service Restaurants in Arkansas, totaling $5.6M. The median loan was $352,500. That is 3.9% of the 334 acquisition loans in Arkansas.
The purchase agreement decides what you bought, not the loan approval.
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How this compares
The median Full-Service Restaurants loan in Arkansas is 58% lower than the $847,500 median for all Arkansas acquisitions, and 14% lower than the $411,700 median for Full-Service Restaurants acquisitions nationwide (2,797 loans).
This combination has too few seasoned loans for a reliable charge-off rate. Nationally, 5.9% of seasoned Full-Service Restaurants acquisition loans were charged off, and 4.6% of seasoned Arkansas acquisition loans of any type.
Full-Service Restaurants acquisition loans in Arkansas by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $381K | $190,250 | |
| FY2019 | 1 | $423K | $423,000 | |
| FY2020 | 5 | $2.7M | $523,100 | |
| FY2021 | 2 | $1.2M | $576,800 | |
| FY2022 | 0 | $0 | - | |
| FY2023 | 1 | $463K | $462,600 | |
| FY2024 | 1 | $251K | $251,000 | |
| FY2025 | 1 | $198K | $197,600 | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Fewer than 20 Full-Service Restaurants in Arkansas 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.
Terms signed in the LOI shape the purchase agreement that follows.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Arvest Bank | 4 | 30.8% | $2.3M | |
| 2 | Simmons Bank | 2 | 15.4% | $1.1M | |
| 3 | Southern Bancorp Bank | 2 | 15.4% | $449K | |
| 4 | Bank OZK | 1 | 7.7% | $523K | |
| 5 | Lendistry SBLC, LLC | 1 | 7.7% | $463K |
Top franchise brands
No franchise brands recorded in this combination.
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Questions buyers ask
How much do SBA loans for Full-Service Restaurants acquisitions in Arkansas run?
The median SBA 7(a) loan was $352,500 across 13 loans (FY2018 to FY2026). 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 Full-Service Restaurants acquisitions in Arkansas?
Arvest Bank (4), Simmons Bank (2), Southern Bancorp Bank (2), Bank OZK (1), Lendistry SBLC, LLC (1).
How often do Full-Service Restaurants acquisition loans fail in Arkansas?
Fewer than 20 loans in this combination are old enough to measure losses reliably, so no rate is shown. The national benchmark for all SBA acquisition loans is 3.5% (FY2018 to FY2021 cohort).
Are franchised businesses part of Full-Service Restaurants acquisitions in Arkansas?
2 of the 13 loans (15%) involved a franchise brand.
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Related
- All Arkansas acquisitions
- Financing one? How to get an SBA loan to buy a restaurant
- Full-Service Restaurants nationally
- Full-Service Restaurants in California
- Full-Service Restaurants in Texas
- Full-Service Restaurants in Florida
- Full-Service Restaurants in Washington
- Full-Service Restaurants in Georgia
- Full-Service Restaurants in Illinois
- Full-Service Restaurants in Pennsylvania
- Full-Service Restaurants in Michigan
- Broilers and Other Meat Type Chicken Production in Arkansas
- Hotels and Motels in Arkansas
- Pharmacies and Drug Retailers in Arkansas
Small samples move a lot: each loan in this combination is 8% of the count. Industry is the NAICS code the lender recorded. See the methodology.