Zaxby's

Restaurants & FoodSBA loans FY2020–FY2026

SBA Loans

$87.3M

Total Financed

$1.6M

Avg Loan Size

+80%

YoY Loan Growth

How Zaxby's Compares

Ranks #39 of 1,075 Restaurants & Food brands by SBA loan count (#185 of 3,543 overall).
Its average loan of $1.6M is 279% 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	7	$5.3M
FY2021	8	$16.5M
FY2022	5	$7.8M
FY2023	10	$14.2M
FY2024	5	$10.5M
FY2025	9	$16.7M
FY2026	11	$16.4M

FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.

Where Zaxby's Is Getting SBA-Financed

Florida5 loans · $6.8M Tennessee5 loans · $4.0M South Carolina5 loans · $6.6M Virginia5 loans · $7.5M Mississippi4 loans · $6.3M Georgia4 loans · $11.5M North Carolina4 loans · $10.2M Missouri3 loans · $2.2M Maryland3 loans · $5.8M Alabama3 loans · $4.4M Kentucky2 loans · $387K Texas2 loans · $4.8M New Jersey2 loans · $3.5M Ohio2 loans · $3.6M Arizona2 loans · $4.0M

Recent SBA-Financed Zaxby's Locations

Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.

BockBock, LLCMESA, AZ

$3,488,0002026-06-16

GSP Old Bridge Chicken LLCOLD BRIDGE, NJ

$2,300,0002026-06-11

Zaxbys Greenville TexasGREENVILLE, TX

$1,915,0002026-05-30

Brooklyn Cascade LLCNew York, NY

$960,5002026-05-27

CKN INC.ORANGE CITY, FL

$450,0002026-03-03

3260 BOSTON CHICKEN LLCBRONX, NY

$1,690,0002026-01-29

GK Ashland LLCASHLAND, VA

$2,320,0002026-01-22

LATTAKIA GROUP L.L.C.ROSEDALE, MD

$500,0002026-01-15

Monarch Restaurant Group IncSCOTTSDALE, AZ

$500,0002026-01-06

TSGZ LLC.CLANTON, AL

$150,0002025-12-12

Zaxby'sLUTHERVILLE TIMONIUM, MD

$2,125,0002025-11-24

Axiom Hosts, LLCMIDDLETOWN, OH

$3,525,7002025-09-30

Axiom Hosts, LLCMIDDLETOWN, OH

$100,0002025-09-30

Magnolia Chicken LLCMAGNOLIA, NJ

$1,235,0002025-09-11

Zaxby'sPRINCE GEORGE, VA

$3,100,0002025-09-03

CZOE, LLCCLANTON, AL

$2,750,0002025-08-22

VHZOE, LLCVESTAVIA HILLS, AL

$1,482,0002025-08-22

WTCB2, LLCNashville, TN

$1,170,0002025-04-15

GK Hopewell LLCNORTH PRINCE GEORGE, VA

$175,0002025-03-25

Perry Chicken LLCPERRY, FL

$3,180,0002025-03-13

OAK GROVE KC LLCOAK GROVE, MO

$1,363,2002024-06-09

Leavenworth KS LLCLEAVENWORTH, KS

$2,816,0002024-06-09

ZAX NEVADA LLCNORTH LAS VEGAS, NV

$200,0002024-04-10

RMW1 LLCWALDORF, MD

$3,196,0002023-12-15

Zell Moore Chicken, Inc.GREENVILLE, TX

$2,903,0002023-10-03

Frequently Asked Questions

Is Zaxby's growing or shrinking?

Zaxby's's SBA loan count grew +80% 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 Zaxby's 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 $1.6M (279% 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 Zaxby's?

0 of 55 SBA loans to Zaxby's franchisees (0.0%) have been charged off since FY2020, compared to 1.3% across all Restaurants & Food brands.

Explore More

More Restaurants & Food brands Most financed franchises

Top SBA Lenders

Live Oak Banking Company12
United Community Bank9
Banc of California4
Pinnacle Bank3
Bank Five Nine3

Planning to finance a restaurants & food purchase?

Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.

Source: SBA 7(a) FOIA loan dataset. View dataset