{"ok":true,"canonical_url":"https://www.capbench.com/franchises/whit-s-frozen-custard","api_url":"https://www.capbench.com/api/public/franchises/whit-s-frozen-custard","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":"Whit's Frozen Custard","slug":"whit-s-frozen-custard","url":"https://www.capbench.com/franchises/whit-s-frozen-custard","sbaLoansSince2020":16,"businessPurchases":0,"typicalDeal":266000,"dealRange25th75th":[100000,327200],"avgRatePct":8.98,"failureRatePct":null,"failureRateNote":"too few loans to score","loansSinceFY2025":5,"topLenders":[{"name":"The Huntington National Bank","count":9,"url":"https://www.capbench.com/lenders/the-huntington-national-bank"},{"name":"The State Bank and Trust Company","count":1,"url":"https://www.capbench.com/lenders/the-state-bank-and-trust-company"},{"name":"Harvest Small Business Finance, LLC","count":1,"url":"https://www.capbench.com/lenders/harvest-small-business-finance-llc"},{"name":"Queensborough National Bank and Trust Company","count":1,"url":null},{"name":"The Fahey Banking Company","count":1,"url":null}],"topStates":[{"count":5,"state":"OH"},{"count":3,"state":"TN"},{"count":3,"state":"NC"},{"count":3,"state":"FL"},{"count":2,"state":"GA"}],"recentDeals":[{"borrower":"Whit's Dublin LLC","city":"Plain City","state":"OH","amount":350000,"fiscalYear":2026,"businessPurchase":false,"lender":"The State Bank and Trust Company"},{"borrower":"CUSTARD UNITED FC, LLC","city":"White House","state":"TN","amount":327200,"fiscalYear":2026,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"Whit's Frozen Custard","city":"Asheville","state":"NC","amount":567300,"fiscalYear":2025,"businessPurchase":false,"lender":"Harvest Small Business Finance, LLC"},{"borrower":"Shelley Snack & Beverage, LLC","city":"Woodstock","state":"GA","amount":422700,"fiscalYear":2025,"businessPurchase":false,"lender":"LGE Community CU"},{"borrower":"R & R Partners, LLC","city":"Circleville","state":"OH","amount":300000,"fiscalYear":2025,"businessPurchase":false,"lender":"The Farmers National Bank of Canfield"},{"borrower":"Leave Your Legacy, LLC","city":"West Jefferson","state":"OH","amount":272000,"fiscalYear":2024,"businessPurchase":false,"lender":"The Fahey Banking Company"},{"borrower":"Scoops Enterprises LLC","city":"Asheville","state":"NC","amount":266000,"fiscalYear":2024,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"Scoops Enterprises LLC","city":"Asheville","state":"NC","amount":25000,"fiscalYear":2024,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"JONES CONCESSIONS, INC.","city":"Lancaster","state":"OH","amount":248500,"fiscalYear":2023,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"JONES CONCESSIONS, INC.","city":"Lancaster","state":"OH","amount":25000,"fiscalYear":2023,"businessPurchase":false,"lender":"The Huntington National Bank"}]},"for_agents":{"mcp_endpoint":"https://www.capbench.com/api/mcp","docs":"https://www.capbench.com/for-agents","recommended_next_step":"Buyers considering a Whit's Frozen Custard 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 Whit's Frozen Custard purchase is SBA-financeable.","mcp_tool":"evaluate_franchise_sba_fit","args":{"franchise_brand":"Whit's Frozen Custard"},"web_url":"https://www.capbench.com/franchises/whit-s-frozen-custard?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 Whit's Frozen Custard.","mcp_tool":"find_franchise_sba_lenders","args":{"franchise_brand":"Whit's Frozen Custard"},"web_url":"https://www.capbench.com/franchises/whit-s-frozen-custard?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 Whit's Frozen Custard SBA Lender Report (matched lenders, comparables, benchmarks).","mcp_tool":"preview_franchise_sba_fit","args":{"franchise_brand":"Whit's Frozen Custard"},"web_url":"https://www.capbench.com/franchises/whit-s-frozen-custard?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/whit-s-frozen-custard","source_type":"CapBench Data"}}