Whataburger
1
SBA Loans
$657K
Total Financed
$657K
Avg Loan Size
—
YoY Loan Growth
How Whataburger Compares
- Ranks #1,001 of 1,075 Restaurants & Food brands by SBA loan count (#3,349 of 3,543 overall).
- Its average loan of $657K is 57% above the Restaurants & Food median of $419K.
- With only 1 loan 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 |
|---|---|---|
| FY2025 | 1 | $657K |
FY2025 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Whataburger Is Getting SBA-Financed
Recent SBA-Financed Whataburger Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Whataburger growing or shrinking?
Whataburger doesn't have enough SBA loan activity in both FY2024 and FY2025 to calculate a reliable year-over-year trend. For context, it ranks #1,001 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 Whataburger 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 $657K (57% 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 Whataburger?
Whataburger only has 1 SBA loan 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
- Citizens Bank1
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Source: SBA 7(a) FOIA loan dataset. View dataset