Charleys Philly Steaks
73
SBA Loans
$33.2M
Total Financed
$455K
Avg Loan Size
+50%
YoY Loan Growth
How Charleys Philly Steaks Compares
- Ranks #25 of 1,075 Restaurants & Food brands by SBA loan count (#130 of 3,543 overall).
- Its average loan of $455K is 9% above the Restaurants & Food median of $419K.
- Its 0.0% charge-off rate compares to a 1.3% average across all Restaurants & Food brands.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2020 | 5 | $2.7M |
| FY2021 | 4 | $1.5M |
| FY2022 | 14 | $6.3M |
| FY2023 | 21 | $8.8M |
| FY2024 | 8 | $4.2M |
| FY2025 | 12 | $4.4M |
| FY2026 | 9 | $5.4M |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Charleys Philly Steaks Is Getting SBA-Financed
Recent SBA-Financed Charleys Philly Steaks Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Charleys Philly Steaks growing or shrinking?
Charleys Philly Steaks's SBA loan count grew +50% year-over-year, suggesting rising financed expansion. This reflects SBA-backed financing activity, not necessarily total unit count -- see the methodology page for what this does and doesn't measure.
How much does it cost to open a Charleys Philly Steaks 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 $455K (9% 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 Charleys Philly Steaks?
0 of 73 SBA loans to Charleys Philly Steaks franchisees (0.0%) have been charged off since FY2020, compared to 1.3% across all Restaurants & Food brands.
Top SBA Lenders
- The Huntington National Bank13
- The Bancorp Bank National Association9
- Newtek Small Business Finance, Inc.6
- Readycap Lending, LLC4
- Stearns Bank National Association3
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset