{"ok":true,"canonical_url":"https://www.capbench.com/franchises/h-h-bagels","api_url":"https://www.capbench.com/api/public/franchises/h-h-bagels","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":"H & H Bagels","slug":"h-h-bagels","url":"https://www.capbench.com/franchises/h-h-bagels","sbaLoansSince2020":4,"businessPurchases":0,"typicalDeal":881000,"dealRange25th75th":[766000,1115000],"avgRatePct":10,"failureRatePct":null,"failureRateNote":"too few loans to score","loansSinceFY2025":3,"topLenders":[{"name":"One Florida Bank","count":1,"url":"https://www.capbench.com/lenders/one-florida-bank"},{"name":"Citizens Bank","count":1,"url":"https://www.capbench.com/lenders/citizens-bank"},{"name":"ConnectOne Bank","count":1,"url":"https://www.capbench.com/lenders/connectone-bank"},{"name":"First Bank of the Lake","count":1,"url":"https://www.capbench.com/lenders/first-bank-of-the-lake"}],"topStates":[{"count":2,"state":"FL"},{"count":1,"state":"TN"},{"count":1,"state":"CA"}],"recentDeals":[{"borrower":"KSA Walsh LLC","city":"Altamonte Springs","state":"FL","amount":766000,"fiscalYear":2026,"businessPurchase":false,"lender":"One Florida Bank"},{"borrower":"H&H BAGELS","city":"Eastchester","state":"FL","amount":881000,"fiscalYear":2025,"businessPurchase":false,"lender":"First Bank of the Lake"},{"borrower":"Sunrise LLC","city":"Knoxville","state":"TN","amount":737800,"fiscalYear":2025,"businessPurchase":false,"lender":"Citizens Bank"},{"borrower":"Sesame OpCo I LLC","city":"Santa Monica","state":"CA","amount":1115000,"fiscalYear":2024,"businessPurchase":false,"lender":"ConnectOne Bank"}]},"for_agents":{"mcp_endpoint":"https://www.capbench.com/api/mcp","docs":"https://www.capbench.com/for-agents","recommended_next_step":"Buyers considering a H & H Bagels 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 H & H Bagels purchase is SBA-financeable.","mcp_tool":"evaluate_franchise_sba_fit","args":{"franchise_brand":"H & H Bagels"},"web_url":"https://www.capbench.com/franchises/h-h-bagels?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 H & H Bagels.","mcp_tool":"find_franchise_sba_lenders","args":{"franchise_brand":"H & H Bagels"},"web_url":"https://www.capbench.com/franchises/h-h-bagels?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 H & H Bagels SBA Lender Report (matched lenders, comparables, benchmarks).","mcp_tool":"preview_franchise_sba_fit","args":{"franchise_brand":"H & H Bagels"},"web_url":"https://www.capbench.com/franchises/h-h-bagels?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/h-h-bagels","source_type":"CapBench Data"}}