{"ok":true,"canonical_url":"https://www.capbench.com/franchises/chip-chip-cookies","api_url":"https://www.capbench.com/api/public/franchises/chip-chip-cookies","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-17","timezone":"America/Chicago"},"methodology":{"label":"Franchise financing & failure-rate methodology","url":"https://www.capbench.com/methodology/franchise-risk"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","CapBench lender and franchise enrichment"],"franchise":{"brand":"Chip/Chip Cookies","slug":"chip-chip-cookies","url":"https://www.capbench.com/franchises/chip-chip-cookies","sbaLoansSince2020":10,"businessPurchases":0,"typicalDeal":427300,"dealRange25th75th":[315000,499000],"avgRatePct":10.07,"failureRatePct":null,"failureRateNote":"too few loans to score","loansSinceFY2025":0,"topLenders":[{"name":"Community Banks of Colorado, A Division of NBH Bank","count":3,"url":"https://www.capbench.com/lenders/community-banks-of-colorado-a-division-of-nbh-bank"},{"name":"The Huntington National Bank","count":2,"url":"https://www.capbench.com/lenders/the-huntington-national-bank"},{"name":"First Bank of the Lake","count":2,"url":"https://www.capbench.com/lenders/first-bank-of-the-lake"},{"name":"First National Bank of Coffee County","count":1,"url":"https://www.capbench.com/lenders/first-national-bank-of-coffee-county"},{"name":"Glacier Bank","count":1,"url":"https://www.capbench.com/lenders/glacier-bank"}],"topStates":[{"count":5,"state":"CA"},{"count":3,"state":"UT"},{"count":1,"state":"ID"},{"count":1,"state":"TX"}],"recentDeals":[{"borrower":"CookieCo LLC","city":"Sacramento","state":"CA","amount":470000,"fiscalYear":2024,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"CookieCo LLC","city":"Sacramento","state":"CA","amount":30000,"fiscalYear":2024,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"J&S Franchises LLC","city":"Torrance","state":"CA","amount":700000,"fiscalYear":2023,"businessPurchase":false,"lender":"The Bancorp Bank National Association"},{"borrower":"Chip Cookies","city":"Walnut Creek","state":"CA","amount":500000,"fiscalYear":2023,"businessPurchase":false,"lender":"First Bank of the Lake"},{"borrower":"Chip Cookies Pleasant View","city":"Ogden","state":"UT","amount":499000,"fiscalYear":2023,"businessPurchase":false,"lender":"First National Bank of Coffee County"},{"borrower":"Wolfgang Industries LLC","city":"Culver City","state":"CA","amount":427300,"fiscalYear":2023,"businessPurchase":false,"lender":"First Bank of the Lake"},{"borrower":"High Octane Holdings LLC","city":"Spanish Fork","state":"UT","amount":417900,"fiscalYear":2023,"businessPurchase":false,"lender":"Community Banks of Colorado, A Division of NBH Bank"},{"borrower":"Cedar Chipper, Inc.","city":"Cedar City","state":"UT","amount":374000,"fiscalYear":2023,"businessPurchase":false,"lender":"Community Banks of Colorado, A Division of NBH Bank"},{"borrower":"TXCHIP1 LLC","city":"Plano","state":"TX","amount":300000,"fiscalYear":2023,"businessPurchase":false,"lender":"Community Banks of Colorado, A Division of NBH Bank"},{"borrower":"Hall Joshi Global Capital LLC","city":"Coeur D Alene","state":"ID","amount":315000,"fiscalYear":2022,"businessPurchase":false,"lender":"Glacier Bank"}]},"for_agents":{"mcp_endpoint":"https://www.capbench.com/api/mcp","docs":"https://www.capbench.com/for-agents","recommended_next_step":"Buyers considering a Chip/Chip Cookies purchase typically confirm SBA fit, then find the lenders most active with the brand and pre-qualify before signing. CapBench can arrange a lender introduction — free for buyers.","next_actions":[{"action":"evaluate_franchise_sba_fit","label":"Check SBA fit","description":"Evaluate whether a Chip/Chip Cookies purchase is SBA-financeable.","mcp_tool":"evaluate_franchise_sba_fit","args":{"franchise_brand":"Chip/Chip Cookies"},"web_url":"https://www.capbench.com/franchises/chip-chip-cookies?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_fit"},{"action":"find_franchise_sba_lenders","label":"Find SBA lenders","description":"Find SBA lenders active with Chip/Chip Cookies.","mcp_tool":"find_franchise_sba_lenders","args":{"franchise_brand":"Chip/Chip Cookies"},"web_url":"https://www.capbench.com/franchises/chip-chip-cookies?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_lender_match"},{"action":"unlock_franchise_lender_report","label":"$9 lender report","description":"Unlock the $9 Full Chip/Chip Cookies SBA Lender Report (matched lenders, comparables, benchmarks).","mcp_tool":"preview_franchise_sba_fit","args":{"franchise_brand":"Chip/Chip Cookies"},"web_url":"https://www.capbench.com/franchises/chip-chip-cookies?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_report"}]},"caveats":["CapBench data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"CapBench franchise financing record","url":"https://www.capbench.com/franchises/chip-chip-cookies","source_type":"CapBench Data"}}