Carl's Jr.
4
SBA Loans
$8.5M
Total Financed
$2.1M
Avg Loan Size
—
YoY Loan Growth
How Carl's Jr. Compares
- Ranks #434 of 1,075 Restaurants & Food brands by SBA loan count (#1,602 of 3,543 overall).
- Its average loan of $2.1M is 406% above the Restaurants & Food median of $419K.
- With only 4 loans on record, its own charge-off rate isn't statistically meaningful -- for context, Restaurants & Food brands overall see a 1.3% charge-off rate across 11,372 loans.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2021 | 1 | $5.0M |
| FY2024 | 2 | $2.7M |
| FY2026 | 1 | $820K |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Carl's Jr. Is Getting SBA-Financed
Recent SBA-Financed Carl's Jr. Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Carl's Jr. growing or shrinking?
Carl's Jr. doesn't have enough SBA loan activity in both FY2025 and FY2026 to calculate a reliable year-over-year trend. For context, it ranks #434 of 1,075 Restaurants & Food brands by total SBA loan count since FY2020 -- a snapshot of scale, if not of trend.
How much does it cost to open a Carl's Jr. franchise?
We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $2.1M (406% above the typical Restaurants & Food brand's $419K) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for Carl's Jr.?
Carl's Jr. only has 4 SBA loans on record -- too few to calculate a meaningful charge-off rate on its own. For context, Restaurants & Food brands overall see a 1.3% charge-off rate across 11,372 loans.
Top SBA Lenders
- Western Alliance Bank2
- Live Oak Banking Company1
- Harvest Small Business Finance, LLC1
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset