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R.j. Gators

R.j. Gators

5 locations

The total investment to open a R.j. Gators franchise ranges from $503,600 - $809,200. R.j. Gators currently operates 5 locations (5 franchised). The top SBA 7(a) lenders for R.j. Gators are Federal Deposit Insurance Corporation, Newtek Small Business Finance, Inc. and New Jersey Business Finance Co. PeerSense FPI health score: 26/100.

Investment

$503,600 - $809,200

Total Units

5

5 franchised

FPI Score
Medium
26

Proprietary PeerSense metric

Limited
Capital Partners
8lenders available

Active capital sources verified for R.j. Gators financing

SBA

7(a) Eligible

21d

Avg Funding

P+2.25%

Best Rate

No retainers · Referral fee at closing

FPI Score Breakdown

Emerging (3-9 loans)

Medium Confidence
26out of 100
Limited

SBA Lending Performance

SBA Default Rate

44.4%

4 of 9 loans charged off

SBA Loans

9

Total Volume

$6.0M

Active Lenders

8

States

5

Top SBA Lenders for R.j. Gators

What is the R.j. Gators franchise?

Rj Gators stands as a distinctive and compelling presence within the vibrant and highly competitive full-service restaurant sector, offering a significant opportunity for prospective franchisees to engage with a brand deeply rooted in Bradenton, Florida. As a full-service dining concept, the Rj Gators franchise caters meticulously to patrons seeking more than a mere meal; it promises and delivers an immersive dining experience characterized by an unwavering commitment to attentive table service, a thoughtfully curated and diverse menu, and an inviting ambiance meticulously designed to foster social connection, relaxation, and the creation of truly memorable moments. With its corporate headquarters firmly established in Bradenton, Florida, the brand inherently carries a regional authenticity and charm that often resonates profoundly with local communities, cultivating a loyal customer base, and appealing significantly to visitors seeking an authentic taste of the area. This strong sense of place contributes substantially to a unique market identity that helps differentiate the Rj Gators franchise in a crowded culinary landscape. The operational footprint of the Rj Gators franchise currently extends to 8 total units, a precise number that signifies a carefully managed and strategic expansion trajectory, potentially allowing for a more hands-on, personalized, and robust approach to franchisor-franchisee relationships. This moderate scale enables the corporate team to focus intently on continuously refining the operational model, ensuring absolute consistency in the guest experience across all locations, and providing highly targeted, direct support to each individual unit. Operating successfully within the full-service restaurant category necessitates a deep and nuanced understanding of evolving customer expectations regarding menu quality, the efficiency and warmth of service, and the overall dining atmosphere, all of which are critical elements that the Rj Gators franchise

FPI Score

26/100

SBA Default Rate

44.4%

Active Lenders

8

Key Highlights

Data Insights

Key performance metrics for R.j. Gators based on SBA lending data

SBA Default Rate

44.4%

4 of 9 loans charged off

SBA Loan Volume

9 loans

Across 8 lenders

Lender Diversity

8 lenders

Avg 1.1 loans per lender

Investment Tier

Significant investment

$503,600 – $809,200 total

R.j. Gators — 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

2004

2 approvals — best year on record for R.j. Gators.

Top SBA State

Florida

5 SBA-financed R.j. Gators locations — the densest operator footprint.

Average Loan Size

$663K

Median $657K — use as a sizing anchor when modeling your own $R.j. Gators unit.

Lender Concentration

44.4%

Concentrated

Share of R.j. Gators approvals captured by the top 3 SBA lenders.

R.j. Gators's SBA lending pipeline peaked in 2004 (2 approvals). Operator density is highest in Florida with 5 SBA-financed locations. Average funded ticket sits at $663K, with the median at $657K. Lender mix is concentrated: the top three SBA lenders account for 44.4% of approvals — credit decisions concentrate with a small group of incumbents.

Payment Estimator

Loan Amount$403K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$5,213

Principal & Interest only

Locations

R.j. Gatorsunit breakdown

Total Units
N/A
Franchisee Owned
System Owned
Closed

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R.j. Gators