How to Finance a Hurricane Grill & Wings Franchise: SBA Rules
By Anthony Cornella
A Hurricane Grill & Wings franchise loan pays for a casual-dining restaurant built around wings, signature sauces, a bar and a relaxed, tropical atmosphere. That combination of full-service dining, a liquor license and a sizable kitchen makes these projects larger and more complex to finance than a counter-service franchise, and the brand’s SBA Franchise Directory listing carries specific conditions that matter when real estate is involved.
This article explains how buyers can finance a new or existing Hurricane Grill & Wings restaurant, what the brand’s SBA directory notes mean in plain English, which loan types fit each part of the project and what a lender will review before approving a request.
US Professional Funding is not affiliated with, sponsored by or endorsed by Hurricane Grill & Wings; the name is used only to describe the business. Figures from the franchisor’s disclosure document can change, loan programs and terms vary by lender and borrower, and every loan is subject to approval. Nothing here is legal, tax or investment advice; review the current Franchise Disclosure Document (FDD) and franchise agreement with a franchise attorney and accountant.
Hurricane Grill & Wings Franchise Loan at a Glance
- Concept: a casual-dining wing restaurant with a bar, known for fresh wings, a wide range of signature sauces and rubs, and a beach-inspired atmosphere.
- Origins: the original restaurant opened in Fort Pierce, Florida, in 1995, according to the company.
- Fees and investment: we could not verify the current initial franchise fee, royalty, advertising contribution or Item 7 investment range from the franchisor’s own published materials; use Items 5, 6 and 7 of the FDD you receive.
- Franchisor status: the brand’s parent company filed a voluntary Chapter 11 case in January 2026, so buyers should confirm the current franchisor entity and that the FDD reflects any ownership change.
- SBA Franchise Directory: listed under code S2415, with notes about the lease rider, real estate purchase options and lien position.
- Likely financing mix: SBA 7(a) or a conventional term loan for build-out and equipment, SBA 504 when an owner buys the building, and working capital for pre-opening payroll and inventory.
What Is Hurricane Grill & Wings?
Hurricane Grill & Wings is a wing-focused restaurant brand that began in Florida. The company says the original restaurant opened in Fort Pierce in 1995. The concept pairs large, fresh wings and a long list of sauces and dry rubs with burgers, tacos and other bar-and-grill favorites, served in a casual setting with a full bar and plenty of televisions for sports.
Unit format. Most restaurants are full-service, sit-down units with a dining room, a bar and often a patio. That means larger spaces, a bigger kitchen, a liquor license and a larger staff than a quick-service franchise.
How lenders view the brand. Lenders see a long-established concept with name recognition in parts of the country, but they also note that casual dining is labor-intensive and sensitive to local competition. Because the parent company has been through a Chapter 11 case, lenders will also want confidence in the support and brand standards franchisees will receive going forward.
Hurricane Grill & Wings Franchise Costs
Because we could not confirm current figures from the franchisor’s own materials, the sections below describe the cost categories a buyer should expect in the FDD, rather than specific amounts. Build every loan request from the current Item 7 table.
Initial franchise fee. Item 5 discloses the initial franchise fee and any development fee for multiple restaurants. It is typically paid at signing and can usually be included in the financed project.
Real estate and build-out. A full-service restaurant with a bar needs substantial kitchen ventilation, grease management, plumbing, electrical capacity, bar fixtures, restrooms and dining room finishes. Second-generation restaurant space can lower conversion costs; a freestanding building or ground-up site raises them. Some owners lease, while others buy or build the property.
Equipment and FF&E. Fryers are central to a wing concept, along with grills, hoods and fire suppression, walk-in coolers and freezers, prep tables, dish machines, bar coolers and draft systems, televisions and audio, point-of-sale systems, furniture, signage and decor.
Opening costs and working capital. Opening inventory, liquor license costs, permits, training, hiring a large opening team, grand opening marketing, deposits and insurance all belong in the budget, along with additional funds for the first months.
Total investment. Line items in the FDD should add up to the stated total. Typical Item 7 categories for a full-service restaurant include:
- Initial franchise fee
- Real estate, rent and security deposits
- Leasehold improvements or construction
- Kitchen and bar equipment
- Furniture, fixtures, signage and decor
- Audio-visual and point-of-sale technology
- Liquor license, permits and professional fees
- Opening inventory, including food and beverages
- Training and pre-opening payroll
- Grand opening marketing
- Additional funds for the initial operating period
Ongoing Fees and How They Affect Your Loan
Item 6 lists recurring fees, typically a royalty on gross sales, an advertising or brand fund contribution, technology fees, and transfer and renewal fees. Franchise agreements for full-service brands often also require periodic remodels or reimaging.
How lenders factor them in. Sales-based fees are paid before debt service, so a lender subtracts them along with food, beverage, labor, occupancy and delivery commissions. Casual-dining labor costs are higher than quick service, and the bar’s share of sales affects margins, so projections should show both.
Franchisor Requirements for New Owners
Ask the franchisor for current net worth, liquid capital and experience requirements, and whether they differ for single-unit and multi-unit candidates. Expect an application, financial review, FDD delivery, a waiting period before signing, training and franchisor approval of the site and lease.
Ways to Own a Hurricane Grill & Wings
Building a new restaurant. A Hurricane Grill & Wings franchise loan for a new unit is underwritten on projections and a detailed construction budget. See our restaurant start-up financing options.
Buying an existing restaurant. A resale gives the lender actual sales and expenses to underwrite. The franchisor must approve the transfer, and the buyer may need to sign the current franchise agreement and complete updates. Read our guide to buying a franchise resale and our page on franchise restaurant acquisition financing.
Converting an existing restaurant. If the franchisor permits conversions, an operator of an independent bar and grill might convert to the brand.
Multi-unit development. Development agreements commit an operator to open several restaurants on a schedule, with each unit typically financed as it is built.
Financing Options for a Hurricane Grill & Wings Franchise
SBA 7(a) loans. Because the brand is on the SBA Franchise Directory, an SBA 7(a) loan can finance the franchise fee, build-out, equipment, working capital and, in some cases, real estate, subject to approval and the directory conditions below.
SBA 504 loans. When an owner buys or builds the restaurant property, an SBA 504 loan can fund owner-occupied real estate and long-lived equipment. The directory notes on lease riders and purchase options matter most in these deals.
Conventional term loans. Experienced operators with strong liquidity may use conventional financing, particularly when buying an existing restaurant with several years of records.
Equipment financing. Fryers, hoods, refrigeration, bar and draft systems, televisions and point-of-sale hardware can be financed separately. Read about restaurant equipment financing and leasing.
Working capital and lines of credit. A large opening staff, food and liquor inventory and sports-season swings in traffic all create cash needs. See our restaurant working capital options.
Seller financing on resales. A seller may carry part of the price. Seller notes are typically subordinate to the senior loan, and SBA rules can limit their terms.
SBA Loans for Hurricane Grill & Wings Franchisees
The SBA Franchise Directory lists brands whose franchise agreements have been reviewed for SBA eligibility. SBA lenders generally require a brand to be listed before making an SBA-guaranteed loan to one of its franchisees. A listing clears the franchise relationship; it does not approve any borrower.
The brand’s listing and notes. Hurricane Grill & Wings is listed under code S2415 with three notes. In plain English:
- Lease rider: when the real estate where the restaurant operates will secure the SBA-guaranteed loan, the franchisor’s form of lease rider may not be executed. If the borrower owns the property and pledges it, that rider should not be part of the deal.
- Purchase options: the franchisor may not enforce a purchase option on real estate owned by the franchisee or an affiliate that is taken as collateral for the SBA loan. The lender’s lien on the property is protected from that option.
- Lien position: the lender or certified development company must obtain the correct lien position on all collateral, as SBA rules require.
These notes mainly affect a Hurricane Grill & Wings franchise loan where the borrower owns the restaurant property. Have your attorney review these provisions early.
The SBA 7(a) program maximum is currently $5 million, though program rules can change. Our SBA loan calculator can help with early payment estimates for planning only.
How Lenders Evaluate a Hurricane Grill & Wings Deal
Personal credit and financial history. Lenders review credit, tax returns and a personal financial statement, and typically require personal guarantees.
Net worth and liquidity. Expect to show an equity contribution and reserves that remain after closing, which matters more for a full-service build-out.
Industry and management experience. Casual dining and bar operations reward experience in managing large teams, controlling beverage costs and complying with liquor laws.
Business plan and projections. Model food and bar sales separately, staffing by daypart, game-day and sports-season peaks, delivery mix, royalties and rent.
The FDD and franchise agreement. Given the parent company’s Chapter 11 case, confirm the FDD is current, identify the franchisor entity and review term, renewal and transfer provisions. Our article on how lenders read an FDD explains what they focus on.
Site, lease or real estate. Lenders review lease length and renewal options, or the appraisal and environmental reports if the property is being purchased.
Historical financials for resales. Several years of profit and loss statements, sales reports and tax returns are expected.
Kitchen, Bar and Equipment
A wing restaurant depends on its fryers and the ventilation, fire suppression and grease management around them. Bars add draft systems, glass washers, ice machines and beverage coolers, and sports viewing requires televisions, audio and streaming equipment. These assets wear out and need periodic replacement, so many owners finance them separately or plan an equipment refresh within the life of the Hurricane Grill & Wings franchise loan.
Multi-Unit Growth and Development Agreements
Operators who add restaurants typically finance each one as it opens, using the cash flow of existing units to support the next loan. Development schedules should leave room for the capital, management depth and hiring that each full-service opening requires. Read more about multi-unit franchise financing.
Real-World Scenarios
A buyer purchasing a resale near a stadium. The buyer uses an SBA 7(a) loan, and the lender reviews seasonal sales tied to the local sports calendar before sizing working capital.
An owner buying the building. An operator purchases a freestanding former restaurant and uses SBA 504 financing. The attorney confirms that the franchisor’s lease rider is not executed and the purchase option cannot be enforced against the pledged property.
An existing franchisee adding a second unit. The lender combines the first restaurant’s cash flow with projections for the new one and finances the bar and kitchen package separately.
Common Mistakes to Avoid
- Overlooking the SBA directory notes when the property will be pledged as collateral
- Skipping a check of the current franchisor entity and FDD after the parent company’s Chapter 11 case
- Underestimating ventilation and bar build-out costs
- Projecting bar and food sales without separate margins
- Leaving too little working capital for a large opening team
For more, read the restaurant loan mistakes that cost owners the most.
Next Steps to Finance Your Hurricane Grill & Wings Franchise
Step 1: Request the current FDD. Review Items 1, 5, 6, 7, 10, 17 and 19 with a franchise attorney and accountant.
Step 2: Confirm franchisor requirements. Ask about net worth, liquidity, experience and development expectations.
Step 3: Choose lease or ownership. Decide whether to lease or buy the property, since that affects SBA 7(a) versus 504 and the directory notes.
Step 4: Build your budget. Prepare a sources-and-uses table that ties to Item 7 and contractor, equipment and liquor license costs.
Step 5: Talk with a financing specialist. Compare SBA, conventional and equipment options.
Step 6: Apply and close. Submit projections and financial documents, then coordinate closing with the franchise agreement, lease or purchase contract.
Hurricane Grill & Wings Franchise Loan FAQs
How much does a Hurricane Grill & Wings franchise cost?
The total depends on the site, whether you lease or buy, and the size of the build-out. The current FDD’s Item 7 table states the estimated initial investment range.
What is the franchise fee and royalty?
Items 5 and 6 of the current FDD disclose the initial franchise fee, royalty and advertising contributions. Confirm them in the document you receive.
Is Hurricane Grill & Wings eligible for SBA loans?
Yes. The brand is listed on the SBA Franchise Directory under code S2415, with notes about the lease rider, real estate purchase options and lien position.
What do the SBA directory notes mean for me?
They matter most if you own the property and pledge it as collateral: the franchisor’s lease rider is not executed, the franchisor cannot enforce a purchase option on that property, and the lender must hold the correct lien position.
Can I finance the real estate?
Yes. SBA 504, SBA 7(a) or conventional real estate loans may fund an owner-occupied restaurant building, subject to approval.
Can I finance equipment separately?
Yes. Fryers, hoods, refrigeration, bar systems and technology can be financed or leased separately.
Can I buy an existing restaurant?
Yes, with franchisor approval of the transfer. Lenders underwrite the restaurant’s actual results.
Does the parent company’s Chapter 11 case affect my loan?
It can affect due diligence. Lenders will want to confirm the current franchisor entity, its FDD and its ability to support franchisees.
Does the franchisor offer financing?
Item 10 of the FDD discloses any franchisor financing. Most buyers arrange their own loans.
Can a first-time owner get financing?
Possibly, but full-service restaurants with bars favor operators with management experience. A first-time owner may strengthen a request by hiring an experienced general manager.
Final Thoughts
A Hurricane Grill & Wings franchise loan involves a larger, more complex restaurant than many franchises, with a bar, a heavy kitchen and, in some deals, real estate. Buyers who confirm the current franchisor and FDD, understand the SBA directory notes and budget generously for working capital put themselves in the strongest position.
US Professional Funding helps franchise owners and buyers finance start-ups, acquisitions, real estate, equipment and working capital. Learn more about our franchise financing and restaurant financing solutions.
