Full-Service Restaurants acquisitions in Missouri: SBA loan data
Since FY2018, SBA lenders have approved 64 7(a) loans to buy an existing business classified as Full-Service Restaurants in Missouri, totaling $31.5M. The median loan was $348,900. That is 5.8% of the 1,098 acquisition loans in Missouri.
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How this compares
The median Full-Service Restaurants loan in Missouri is 40% lower than the $580,000 median for all Missouri acquisitions, and 15% lower than the $411,700 median for Full-Service Restaurants acquisitions nationwide (2,797 loans).
On losses, 7.4% of seasoned Full-Service Restaurants loans in Missouri were charged off, 152% higher than the 2.9% rate for all Missouri acquisitions, and 26% higher than the 5.9% rate for the industry nationally.
Full-Service Restaurants acquisition loans in Missouri by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 6 | $2.1M | $247,000 | |
| FY2019 | 8 | $3M | $385,000 | |
| FY2020 | 5 | $2.1M | $327,000 | |
| FY2021 | 8 | $6.1M | $795,750 | |
| FY2022 | 5 | $1.2M | $276,300 | |
| FY2023 | 8 | $4M | $479,100 | |
| FY2024 | 13 | $5.5M | $365,000 | |
| FY2025 | 7 | $5.3M | $230,000 | |
| FY2026 | 4 | $2.3M | $467,250 |
How often do these acquisition loans fail?
Of the 27 Full-Service Restaurants in Missouri acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 2 have been charged off by the SBA, a rate of 7.4% by loan count and 4.9% by dollars. 8 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so Full-Service Restaurants in Missouri is 111% higher than the acquisition-loan average. 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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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | OakStar Bank | 7 | 10.9% | $2.3M | |
| 2 | Midwest Regional Bank | 6 | 9.4% | $2.3M | |
| 3 | American Bank of Freedom | 5 | 7.8% | $2.9M | |
| 4 | The Bank of Houston | 4 | 6.3% | $2.6M | |
| 5 | Southern Bank | 3 | 4.7% | $2.6M |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Firehouse Subs | 2 | 3.1% | $1.1M | |
| 2 | Jimmy John's | 1 | 1.6% | $1.6M | |
| 3 | Zaxby's | 1 | 1.6% | $643K | |
| 4 | Imo's Pizza | 1 | 1.6% | $350K |
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
Questions buyers ask
How much do SBA loans for Full-Service Restaurants acquisitions in Missouri run?
The median SBA 7(a) loan was $348,900 across 64 loans (FY2018 to FY2026), with the middle half between $218,750 and $617,500. 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 Missouri?
OakStar Bank (7), Midwest Regional Bank (6), American Bank of Freedom (5), The Bank of Houston (4), Southern Bank (3). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Full-Service Restaurants acquisition loans fail in Missouri?
7.4% of 27 seasoned loans (FY2018 to FY2021) were charged off, against 3.5% for all SBA acquisition loans. With a sample this size, treat the figure as a direction, not a precise rate.
Are franchised businesses part of Full-Service Restaurants acquisitions in Missouri?
7 of the 64 loans (11%) involved a franchise brand, most often Firehouse Subs (2).
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Related
- All Missouri 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
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- Limited-Service Restaurants in Missouri
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- All Other Specialty Trade Contractors in Missouri
- Car Washes in Missouri
- Child Care Services in Missouri
- Fitness and Recreational Sports Centers in Missouri
Small samples move a lot: each loan in this combination is 2% of the count. Industry is the NAICS code the lender recorded. See the methodology.