Limited-Service Restaurants acquisitions in Missouri: SBA loan data
Since FY2018, SBA lenders have approved 34 7(a) loans to buy an existing business classified as Limited-Service Restaurants in Missouri, totaling $18.5M. The median loan was $326,000. That is 3.1% of the 1,098 acquisition loans in Missouri.
Terms signed in the LOI shape the purchase agreement that follows.
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How this compares
The median Limited-Service Restaurants loan in Missouri is 44% lower than the $580,000 median for all Missouri acquisitions, and 7% lower than the $350,000 median for Limited-Service Restaurants acquisitions nationwide (2,222 loans).
This combination has too few seasoned loans for a reliable charge-off rate. Nationally, 5.3% of seasoned Limited-Service Restaurants acquisition loans were charged off, and 2.9% of seasoned Missouri acquisition loans of any type.
Limited-Service Restaurants acquisition loans in Missouri by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 3 | $2.2M | $318,000 | |
| FY2019 | 4 | $2.5M | $508,000 | |
| FY2020 | 5 | $2.2M | $334,000 | |
| FY2021 | 7 | $4.7M | $346,900 | |
| FY2022 | 2 | $392K | $196,000 | |
| FY2023 | 4 | $990K | $221,150 | |
| FY2024 | 4 | $1.9M | $504,700 | |
| FY2025 | 2 | $2M | $1,005,000 | |
| FY2026 | 3 | $1.5M | $225,000 |
How often do these acquisition loans fail?
Fewer than 20 Limited-Service Restaurants in Missouri 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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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Midwest Regional Bank | 4 | 11.8% | $2.4M | |
| 2 | The Central Trust Bank | 4 | 11.8% | $936K | |
| 3 | Guaranty Bank | 3 | 8.8% | $745K | |
| 4 | American Bank of Freedom | 2 | 5.9% | $1.6M | |
| 5 | Commerce Bank | 2 | 5.9% | $1.1M |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Imo's Pizza | 3 | 8.8% | $2.2M | |
| 2 | Subway | 3 | 8.8% | $913K | |
| 3 | Jersey Mike's Subs | 3 | 8.8% | $648K | |
| 4 | Jimmy John's | 2 | 5.9% | $2.9M | |
| 5 | Dairy Queen | 2 | 5.9% | $1.6M |
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Questions buyers ask
How much do SBA loans for Limited-Service Restaurants acquisitions in Missouri run?
The median SBA 7(a) loan was $326,000 across 34 loans (FY2018 to FY2026), with the middle half between $228,450 and $716,750. 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 Limited-Service Restaurants acquisitions in Missouri?
Midwest Regional Bank (4), The Central Trust Bank (4), Guaranty Bank (3), American Bank of Freedom (2), Commerce Bank (2). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Limited-Service Restaurants acquisition loans fail in Missouri?
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 Limited-Service Restaurants acquisitions in Missouri?
24 of the 34 loans (71%) involved a franchise brand, most often Imo's Pizza (3).
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Related
- All Missouri acquisitions
- Limited-Service Restaurants nationally
- Limited-Service Restaurants in California
- Limited-Service Restaurants in Washington
- Limited-Service Restaurants in Texas
- Limited-Service Restaurants in Georgia
- Limited-Service Restaurants in Pennsylvania
- Limited-Service Restaurants in Michigan
- Limited-Service Restaurants in Illinois
- Limited-Service Restaurants in Florida
- Full-Service Restaurants in Missouri
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Small samples move a lot: each loan in this combination is 3% of the count. Industry is the NAICS code the lender recorded. See the methodology.