Big Whiskey's American Restaur
The total investment to open a Big Whiskey's American Restaur franchise ranges from $336,580 to $1.9M. The initial franchise fee is $45,000.
What is the Big Whiskey's American Restaur franchise?
Big Whiskey's American Restaur is a full service restaurant serving American food and drinks to diners. The estimated total initial investment is $336,580 to $1,937,100, and the initial franchise fee is $45,000.
Its headquarters are in Ozark, MO.
Loan Activity Score
51/100
SBA Default Rate
12.5%
Active Lenders
7
According to its Franchise Disclosure Document or public business records, Big Whiskey's American Restaur has 5 locations, all owned by franchisees. Public SBA loan records show 7 lenders made 8 loans to franchisees of Big Whiskey's American Restaur. PeerSense calculates Big Whiskey's American Restaur's score as 51 out of 100, using public SBA loan performance and recent lending activity.
5 locations
$336,580 to $1.9M
$45,000
5
5 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Big Whiskey's American Restaur
8
Total SBA loans
$912K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Big Whiskey's American Restaur
Loan Activity Score Breakdown
Emerging (3 to 9 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
12.5%
vs 10.3% peer avg
SBA Loans
8
Total Volume
$7.3M
Active Lenders
7
States
6
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Big Whiskey's American Restaur based on SBA lending data
SBA Default Rate
12.5%
2.2% above peer avg
SBA Loan Volume
8 loans
Across 7 lenders
Lender Diversity
7 lenders
Avg 1.1 loans per lender
Investment Tier
Premium investment
$336,580 to $1,937,100 total
Big Whiskey's American Restaur: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2025
1 approval. The best year on record for Big Whiskey's American Restaur.
Top SBA State
Missouri
2 SBA financed Big Whiskey's American Restaur locations, the densest operator footprint.
Average Loan Size
$912K
Median $713K. Use as a sizing anchor when modeling your own Big Whiskey's American Restaur unit.
Lender Concentration
50%
Concentrated
Share of Big Whiskey's American Restaur approvals captured by the top 3 SBA lenders.
Big Whiskey's American Restaur's SBA lending pipeline peaked in 2025 (1 approval). The last five fiscal years account for 63% of cumulative volume ($5.5M approved). Operator density is highest in Missouri with 2 SBA financed locations. Average funded ticket sits at $912K, with the median at $713K. Lender mix is concentrated: the top three SBA lenders account for 50% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$3,484
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Big Whiskey's American Restaur, unit breakdown
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Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman