Full-Service Restaurants acquisitions in Wisconsin: SBA loan data
Since FY2018, SBA lenders have approved 86 7(a) loans to buy an existing business classified as Full-Service Restaurants in Wisconsin, totaling $55.5M. The median loan was $307,500. That is 5.9% of the 1,452 acquisition loans in Wisconsin.
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How this compares
The median Full-Service Restaurants loan in Wisconsin is 45% lower than the $562,750 median for all Wisconsin acquisitions, and 25% lower than the $411,700 median for Full-Service Restaurants acquisitions nationwide (2,797 loans).
On losses, 3.5% of seasoned Full-Service Restaurants loans in Wisconsin were charged off, 30% higher than the 2.6% rate for all Wisconsin acquisitions, and 41% lower than the 5.9% rate for the industry nationally.
Full-Service Restaurants acquisition loans in Wisconsin by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $364K | $181,750 | |
| FY2019 | 8 | $4.5M | $249,100 | |
| FY2020 | 9 | $7.2M | $282,000 | |
| FY2021 | 10 | $8.1M | $548,250 | |
| FY2022 | 12 | $5.7M | $266,700 | |
| FY2023 | 8 | $6.2M | $323,950 | |
| FY2024 | 12 | $5.6M | $318,050 | |
| FY2025 | 14 | $10.5M | $468,900 | |
| FY2026 | 11 | $7.3M | $435,000 |
How often do these acquisition loans fail?
Of the 29 Full-Service Restaurants in Wisconsin acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 1 have been charged off by the SBA, a rate of 3.5% by loan count and 0.5% by dollars. 15 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 Wisconsin is in line with 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.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Nicolet National Bank | 13 | 15.1% | $4.3M | |
| 2 | Old National Bank | 6 | 7.0% | $3.3M | |
| 3 | IncredibleBank | 4 | 4.7% | $5.8M | |
| 4 | Byline Bank | 4 | 4.7% | $4M | |
| 5 | Bank CMG | 3 | 3.5% | $3.1M |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Pizza Ranch | 1 | 1.2% | $4.8M | |
| 2 | Toppers Pizza | 1 | 1.2% | $250K | |
| 3 | Firehouse Subs | 1 | 1.2% | $140K |
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Questions buyers ask
How much do SBA loans for Full-Service Restaurants acquisitions in Wisconsin run?
The median SBA 7(a) loan was $307,500 across 86 loans (FY2018 to FY2026), with the middle half between $216,375 and $714,500. 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 Wisconsin?
Nicolet National Bank (13), Old National Bank (6), IncredibleBank (4), Byline Bank (4), Bank CMG (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 Wisconsin?
3.5% of 29 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 Wisconsin?
6 of the 86 loans (7%) involved a franchise brand, most often Pizza Ranch (1).
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Related
- All Wisconsin 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
- Limited-Service Restaurants in Wisconsin
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Small samples move a lot: each loan in this combination is 1% of the count. Industry is the NAICS code the lender recorded. See the methodology.