Five Guys
7
SBA Loans
$16.5M
Total Financed
$2.4M
Avg Loan Size
—
YoY Loan Growth
How Five Guys Compares
- Ranks #286 of 1,075 Restaurants & Food brands by SBA loan count (#1,135 of 3,543 overall).
- Its average loan of $2.4M is 462% above the Restaurants & Food median of $419K.
- With only 7 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 |
|---|---|---|
| FY2020 | 1 | $5.0M |
| FY2021 | 2 | $5.7M |
| FY2022 | 2 | $4.4M |
| FY2024 | 1 | $500K |
| FY2025 | 1 | $897K |
FY2025 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Five Guys Is Getting SBA-Financed
Recent SBA-Financed Five Guys Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Five Guys growing or shrinking?
Five Guys doesn't have enough SBA loan activity in both FY2024 and FY2025 to calculate a reliable year-over-year trend. For context, it ranks #286 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 Five Guys 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 $2.4M (462% 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 Five Guys?
Five Guys only has 7 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
- KeyBank National Association2
- First Bank of the Lake1
- Dime Commercial Bank1
- Live Oak Banking Company1
- The Huntington National Bank1
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset