SBA lending record
Cold Stone Creamery
714 W. ONSTOTT FRONTAGE RD, Yuba City, CA 95991 · Snack and Nonalcoholic Beverage Bars. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.
$2.8M
Total SBA financing
9
Loans on record
FY2022–26
On record
89
Jobs supported
Franchise brand
Cold Stone Creamery
See Cold Stone Creamery's SBA financing data — typical deal, failure rate, and how its loans perform →
● business — business location is the ZIP-area centroid from the public record
Is Cold Stone Creamery your business?
This record comes from public government lending data. Claim it to correct the details or tell your story — or ask us to take it down.
All 9 loans
$300,000 — FY2026
Loan 1 of 9- Gross approval
- $300,000
- SBA guaranteed
- $225,000 (75%)
- Status
- Cancelled
- Rate at approval
- 9.75% v
- Term
- 120 mo (10 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Business purchase
- Approved
- 2/17/2026
- Collateral
- Required
- Jobs supported
- 10
- Business type
- Corporation
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
- NAICS code
- 722515
- Franchise
- Cold Stone Creamery
- Franchise code
- S0400
- Address
- 2791 E Bidwell St
- City
- Folsom, 95630
- County
- Sacramento
- SBA district office
- SACRAMENTO DISTRICT OFFICE
- Congressional district
- 7
$300,000 — FY2026
Loan 2 of 9- Gross approval
- $300,000
- SBA guaranteed
- $225,000 (75%)
- Status
- Committed
- Rate at approval
- 9.75% v
- Term
- 120 mo (10 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Business purchase
- Approved
- 3/23/2026
- Collateral
- Required
- Jobs supported
- 10
- Business type
- Corporation
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
- NAICS code
- 722515
- Franchise
- Cold Stone Creamery
- Franchise code
- S0400
- Address
- 2791 E Bidwell St
- City
- Folsom, 95630
- County
- Sacramento
- SBA district office
- SACRAMENTO DISTRICT OFFICE
- Congressional district
- 7
$125,000 — FY2024
Loan 3 of 9- Gross approval
- $125,000
- SBA guaranteed
- $106,250 (85%)
- Status
- Current
- Rate at approval
- 11.5% v
- Term
- 124 mo (10 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 1/6/2024
- First disbursement
- 1/31/2024
- Days to fund
- 25 days
- Collateral
- Required
- Sold on secondary market
- Yes
- Jobs supported
- 2
- Business type
- Corporation
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
- NAICS code
- 722515
- Address
- 2115 Bronze Star Dr
- City
- Woodland, 95776
- County
- Yolo
- SBA district office
- SACRAMENTO DISTRICT OFFICE
- Congressional district
- 3
$419,200 — FY2024
Loan 4 of 9- Gross approval
- $419,200
- SBA guaranteed
- $314,400 (75%)
- Status
- Current
- Rate at approval
- 11.25% v
- Term
- 123 mo (10 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 2/7/2024
- First disbursement
- 3/7/2024
- Days to fund
- 29 days
- Collateral
- Required
- Sold on secondary market
- Yes
- Jobs supported
- 4
- Business type
- Individual
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
- NAICS code
- 722515
- Franchise
- Cold Stone Creamery
- Franchise code
- S0400
- Lender
- Citizens Bank
- Address
- 2070 Fair Oaks Blvd., Suite 120
- City
- Sacramento, 95825
- County
- Sacramento
- SBA district office
- SACRAMENTO DISTRICT OFFICE
- Congressional district
- 6
$445,000 — FY2023
Loan 5 of 9- Gross approval
- $445,000
- SBA guaranteed
- $333,750 (75%)
- Status
- Current
- Rate at approval
- 9.5% v
- Term
- 120 mo (10 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Business purchase
- Approved
- 12/2/2022
- First disbursement
- 12/14/2022
- Days to fund
- 12 days
- Collateral
- Required
- Sold on secondary market
- Yes
- Jobs supported
- 30
- Business type
- Corporation
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
- NAICS code
- 722515
- Franchise
- Cold Stone Creamery
- Franchise code
- S0400
- Lender
- United Business Bank
- Address
- 6105 SUNRISE BLVD
- City
- Citrus Heights, 95610
- County
- Sacramento
- SBA district office
- SACRAMENTO DISTRICT OFFICE
- Congressional district
- 7
$350,000 — FY2023
Loan 6 of 9- Gross approval
- $350,000
- SBA guaranteed
- $262,500 (75%)
- Status
- Current
- Rate at approval
- 10.5% v
- Term
- 127 mo (11 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 1/12/2023
- First disbursement
- 2/6/2023
- Days to fund
- 25 days
- Collateral
- Required
- Sold on secondary market
- Yes
- Jobs supported
- 20
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
- NAICS code
- 722515
- Address
- 2115 Bronze Star St. STE 150
- City
- Woodland, 95776
- County
- Yolo
- SBA district office
- SACRAMENTO DISTRICT OFFICE
- Congressional district
- 3
$34,000 — FY2023
Loan 7 of 9- Gross approval
- $34,000
- SBA guaranteed
- $28,900 (85%)
- Status
- Current
- Rate at approval
- 10.25% v
- Term
- 120 mo (10 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 2/24/2023
- First disbursement
- 3/6/2023
- Days to fund
- 10 days
- Collateral
- Required
- Business type
- Corporation
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
- NAICS code
- 722515
- Franchise
- Cold Stone Creamery
- Franchise code
- S0400
- Address
- 2085 W. BASELINE RD
- City
- Upland, 91784
- County
- San Bernardino
- SBA district office
- SANTA ANA DISTRICT OFFICE
- Congressional district
- 27
$450,000 — FY2022
Loan 8 of 9- Gross approval
- $450,000
- SBA guaranteed
- $337,500 (75%)
- Status
- Paid in full
- Rate at approval
- 6% v
- Term
- 128 mo (11 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 3/2/2022
- First disbursement
- 4/6/2022
- Days to fund
- 35 days
- Paid in full
- 9/30/2025
- Collateral
- Required
- Sold on secondary market
- Yes
- Jobs supported
- 3
- Business type
- Individual
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
- NAICS code
- 722515
- Franchise
- Cold Stone Creamery
- Franchise code
- S0400
- Address
- 714 W. ONSTOTT FRONTAGE RD
- City
- Yuba City, 95991
- County
- Sutter
- SBA district office
- SACRAMENTO DISTRICT OFFICE
- Congressional district
- 3
$350,000 — FY2022
Loan 9 of 9- Gross approval
- $350,000
- SBA guaranteed
- $262,500 (75%)
- Status
- Current
- Rate at approval
- 6% v
- Term
- 123 mo (10 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 3/21/2022
- First disbursement
- 9/15/2022
- Days to fund
- 178 days
- Collateral
- Required
- Sold on secondary market
- Yes
- Jobs supported
- 10
- Business type
- Individual
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
- NAICS code
- 722513
- Franchise
- Cold Stone Creamery
- Franchise code
- S0400
- Lender
- Citizens Bank
- Address
- 8166 DELTA SHORES CIR
- City
- Sacramento, 95832
- County
- Sacramento
- SBA district office
- SACRAMENTO DISTRICT OFFICE
- Congressional district
- 3
The lenders
Newtek Bank, National Association
3 loans to this businessFull SBA lending record + branches on the lender page →Newtek Small Business Finance, Inc.
2 loans to this businessThe Huntington National Bank
1 loan to this businessFull SBA lending record + branches on the lender page →Find SBA lenders for businesses like this
The banks most active funding snack and nonalcoholic beverage bars — by location, industry, and brand.
Other Cold Stone Creamery locations
Other Cold Stone Creamery businesses in the public SBA record — closest first, by location and deal size.
COLDSTONE CREAMERY
Sacramento, CA· ~42 mi
Cold Stone Creamery
- $980K
- SBA financing
- ≈ $1.9M–$3.2M
- Est. revenue (rough)
Atif & Sons LLC
El Dorado Hills, CA· ~45 mi
Cold Stone Creamery
- $450K
- SBA financing
- ≈ $882K–$1.5M
- Est. revenue (rough)
Maddorani, Inc.
Brentwood, CA· ~81 mi
Cold Stone Creamery
- $628K
- SBA financing
- ≈ $1.2M–$2.1M
- Est. revenue (rough)
ESHANI CREAMERY CORP
Freehold, NJ
Cold Stone Creamery
- $530K
- SBA financing
- ≈ $1.0M–$1.7M
- Est. revenue (rough)
Hanneman Industries LLC
Alameda, CA· ~100 mi
Cold Stone Creamery
- $525K
- SBA financing
- ≈ $1.0M–$1.7M
- Est. revenue (rough)
Keystone Venture Partners LLC
Amarillo, TX· ~1120 mi
Cold Stone Creamery
- $1.5M
- SBA financing
- ≈ $2.9M–$4.9M
- Est. revenue (rough)
Similar businesses
Comparable snack and nonalcoholic beverage bars in the public SBA 7(a) record — matched on industry, then location and deal size. Public records, not for-sale listings.
Full Circle Coffee House LLC
Yuba City, CA· ~1 mi
Snack and Nonalcoholic Beverage Bars
- $618K
- SBA financing
- ≈ $1.2M–$2.0M
- Est. revenue (rough)
G4 INVESTMENTS CORP.
Rio Linda, CA· ~33 mi
Dutch Bros.
- $2.4M
- SBA financing
- ≈ $4.7M–$7.8M
- Est. revenue (rough)
Billow Hospitalities PB
Roseville, CA· ~31 mi
Paris Baguette
- $1.8M
- SBA financing
- ≈ $3.5M–$5.8M
- Est. revenue (rough)
Regina Steele DBA STEELE HOUSE COFFEE
Yuba City, CA· ~1 mi
Snack and Nonalcoholic Beverage Bars
- $52K
- SBA financing
- ≈ $101K–$169K
- Est. revenue (rough)
NZUS, CORP
Sacramento, CA· ~41 mi
Snack and Nonalcoholic Beverage Bars
- $2.1M
- SBA financing
- ≈ $4.1M–$6.8M
- Est. revenue (rough)
BRIDGE COFFEE COMPANY LLC
Yuba City, CA· ~1 mi
Snack and Nonalcoholic Beverage Bars
- $25K
- SBA financing
- ≈ $49K–$82K
- Est. revenue (rough)
Agent summary
This page summarizes the public SBA 7(a) lending record for Cold Stone Creamery in Yuba City, CA (Snack and Nonalcoholic Beverage Bars). CapBench compiles public SBA loan data, lender activity, and business signals to help buyers and advisors evaluate acquisition financing — it does not list this business for sale.
- 9 SBA 7(a) loans totaling $2.8M
- On record FY2022–26
- 89 jobs supported
- Industry: Snack and Nonalcoholic Beverage Bars
- Location: Yuba City, CA
- Lenders: Newtek Bank, National Association, Newtek Small Business Finance, Inc., Citizens Bank
Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Snack and Nonalcoholic Beverage Bars businesses in CA for ~$308k deals, then pre-qualify for 7(a) financing before making an offer. CapBench can arrange a lender introduction — free for buyers.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical loan records, not a current offer or a loan approval. CapBench is not a lender.
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CapBench listing built from public SBA 7(a) lending records. Figures are as reported; verify before relying on them. Not affiliated with Cold Stone Creamery.