How much do lenders finance for a Shuckin' Shack Oyster Bar franchise?

The median SBA loan approved for a Shuckin' Shack Oyster Bar franchise is $250,000, with the middle 80% of loans between $40,000 and $366,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Shuckin' Shack Oyster Bar franchises?

By dollars approved, the most active SBA lenders for Shuckin' Shack Oyster Bar have been Live Oak Banking Company, Readycap Lending, LLC, The Huntington National Bank, United Community Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are Shuckin' Shack Oyster Bar SBA loans?

The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a Shuckin' Shack Oyster Bar franchise

SBA lenders have approved 12 loans against the Shuckin' Shack Oyster Bar brand since FY2010, totalling $3.0M. The median approval was $250,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1411

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$250,000

Typical range

$40K-$366K

Middle 80% of loans

Median term

10 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed Shuckin' Shack Oyster Bar

Lender	Loans	Approved
Live Oak Banking Company	1	$675K
Readycap Lending, LLC	2	$540K
The Huntington National Bank	3	$430K
United Community Bank	1	$366K
Ameris Bank	1	$352K
Newtek Small Business Finance, Inc.	1	$230K
Thread Bank	1	$150K
Celtic Bank Corporation	1	$150K

Geography

Where Shuckin' Shack Oyster Bar units were financed

State	Loans	Share
North Carolina	6
Illinois	2
Georgia	1
Florida	1
South Carolina	1
Texas	1

Approvals by fiscal year

’15

’17

’18

’19

’20

’22

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

Under $50K
17%
$150K - $350K
50%
$350K - $1M
33%

Financing a Shuckin' Shack Oyster Bar: common questions

How much do lenders finance for a Shuckin' Shack Oyster Bar franchise?: The median SBA loan approved for a Shuckin' Shack Oyster Bar franchise is $250,000, with the middle 80% of loans between $40,000 and $366,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Shuckin' Shack Oyster Bar franchises?: By dollars approved, the most active SBA lenders for Shuckin' Shack Oyster Bar have been Live Oak Banking Company, Readycap Lending, LLC, The Huntington National Bank, United Community Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are Shuckin' Shack Oyster Bar SBA loans?: The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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