Franchise financing
WINGSTOP franchise financing
What it costs to finance a WINGSTOP franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 177
- Total funded
- $80.9M
- Median loan
- $369K
- 7(a) charge-off
- 0.6%
What financing a WINGSTOP franchise costs
The median SBA loan to a WINGSTOP franchisee is $369K, and the middle half of WINGSTOP's 177 loans run $320K to $499K (average $457K). Across all SBA-financed franchises the median loan is $350K. WINGSTOP buyers borrow more than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median WINGSTOP loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 165 WINGSTOP loans where the SBA recorded a business age, 69.1% went to new businesses two years old or younger. The rest funded existing operations.
How to finance WINGSTOP
WINGSTOP franchisees have financed with 177 SBA loans since FY2010, averaging $457K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (173 of the 177 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
WINGSTOP's 7(a) charge-off rate is 0.6% across 173 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance WINGSTOP
By SBA loan count
Where WINGSTOP gets funded
Top states by loan count
- 1. Texas 45
- 2. California 28
- 3. Louisiana 6
- 4. North Carolina 10
- 5. Florida 10
- 6. Georgia 9
- 7. Colorado 9
- 8. Maryland 8
Financing a WINGSTOP?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
WINGSTOP SBA financing FAQ
How much does a WINGSTOP franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a WINGSTOP franchisee is $369K, and the middle half of WINGSTOP's 177 loans run $320K to $499K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of WINGSTOP's franchise disclosure document.
Can you use an SBA loan for WINGSTOP?
Yes. Lenders have funded 177 SBA loans to WINGSTOP franchisees, worth $80.9M in all, so WINGSTOP is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for WINGSTOP?
The data says yes: of WINGSTOP's 165 SBA loans that record a business age, 69.1% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance WINGSTOP?
By loan count, the most active SBA lenders for WINGSTOP are Live Oak Banking Company, Simmons Bank, PNC Bank, National Association, among others. A lender already active with your brand often moves faster.
What is WINGSTOP's SBA charge-off rate?
Across WINGSTOP's 173 SBA 7(a) loans, 0.6% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits WINGSTOP?
Mostly 7(a): 173 of WINGSTOP's 177 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median WINGSTOP loan term is 10 years.