By Trevor Damyan, Commercial Mortgage Broker at Commercial Lending Solutions
A $3 million restaurant SBA owner-user acquisition typically combines real estate, FF&E, working capital, franchise fees, and goodwill for a single-unit franchise restaurant or independent concept. Most $3M restaurant SBA acquisitions allocate $1.5M to $2M to real estate (SBA 504) and $1M to $1.5M to operating business (SBA 7(a)).
Get a Quote on Your $3M Deal →$3M restaurant SBA owner-user acquisitions typically combine SBA 504 for real estate and SBA 7(a) for operating business pieces.
Pricing reflects active CLS CRE quote pipeline as of April 2026. Specific deal pricing depends on sponsor, property, and structure.
Typical $3M restaurant SBA sponsors are first-time franchisee owner-operators or experienced multi-unit franchisees. Restaurant industry experience is heavily weighted in SBA underwriting.
On a $3.2M acquisition of a single-unit franchise restaurant in a Sun Belt suburban market, the buyer was an experienced restaurant manager transitioning to ownership. Combined SBA 504 + 7(a) financed at 88 percent LTC blended.
Anonymized. All deal references protect borrower and lender identity.
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