SBA Loans for Ruth's Chris Steak House Franchises
Who actually funds Ruth's Chris Steak House SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021 to 2021.
Top lenders funding Ruth's Chris Steak House SBA loans
Ranked by number of Ruth's Chris Steak House 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | IncredibleBank | 2 | $4.8M | $2.4M |
Source: SBA FOIA 7(a) loan-level data, 2021 to 2021. Shows lenders with at least one approved Ruth's Chris Steak House loan in this period, ranked by loan count.
Ruth's Chris Steak House SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| NC | 2 | $4.8M | $2.4M |
Ruth's Chris Steak House SBA loans by year
How Ruth's Chris Steak House SBA loans have performed
Outcomes for every funded Ruth's Chris Steak House 7(a) loan approved since FY2010. Each SBA loan usually finances one location, so read these as an estimate of units.
Source: SBA FOIA 7(a) loan-level data. Defaulted means the SBA purchased the guaranty (charged off, or purchased and not yet charged off). Recent loans have had less time to default, and small loan counts swing widely, so one or two loans can move these percentages a lot.
SBA lender notes for Ruth's Chris Steak Housefrom the SBA Franchise Directory
Franchisor may not enforce the Purchase Option on Real Estate owned by the franchisee or an affiliate of the franchisee and taken as collateral for the SBA Loan.
How to use this
The lenders above have actually closed SBA 7(a) loans for Ruth's Chris Steak House franchisees, so they already understand the brand's model, unit economics, and franchise agreement. That familiarity usually means a faster, cleaner underwrite than a lender seeing the concept for the first time.
A lender being active historically doesn't mean they're the right fit for your deal size, location, or timing right now. That's where we come in, and we match your Ruth's Chris Steak House deal to a lender currently funding this brand.
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