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JoAI Holdings, LLC

Ambler, PA · Full-Service Restaurants · NAICS 722511

JoAI Holdings, LLC is a full-service restaurant business located in Ambler, Pennsylvania, classified under NAICS code 722511. The company was financed with an SBA 7(a) loan for a change of ownership in the amount of $3.2 million, approved by Wilmington Savings Fund Society FSB on January 13, 2026.

SBA 7(a) loan, change of ownership, approved Jan 13, 2026

$3,200,000 approvedLender: Wilmington Savings Fund Society FSB25 years termStatus not reported (SBA exemption)Loan details
Gross approval
$3,200,000
SBA-guaranteed amount
$2,400,000 (75% of the approval)
Lender
Wilmington Savings Fund Society FSB, Wilmington, DE
Processing method
Preferred Lender Program: lender approved under delegated SBA authority
Initial interest rate
8.75%, variable
Term
25 years (300 months)
Estimated maturity
January 13, 2051 (estimated, approval date plus term)
Estimated monthly payment
$26,309 Estimated payment at the initial rate over the full term; actual terms vary.
First disbursement
Jan 22, 2026
Loan status
Status not reported (SBA exemption)
Jobs supported
46
Business type
Corporation
NAICS
722511, Full-Service Restaurants
Project location
Montgomery County, PA
SBA district office
Philadelphia District Office
Congressional district
PA-01
Collateral
Yes
Guaranteed portion sold on secondary market
Not reported as sold
Revolving line of credit
No (term loan)
  • Larger than 94% of acquisition loans in Full-Service Restaurants on this site.
  • Average acquisition loan in Full-Service Restaurants: $1,319,601.
  • Average acquisition loan in Pennsylvania: $1,636,965.

Loan amounts are the SBA approval, not a purchase price. Figures labeled estimated are derived on this site and are not published by the SBA.

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Same industry in Pennsylvania