Arctic Circle, by the numbers

Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S2104)

2 deals since 2020 · typical deal $574K

Deals since 2020

$574K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Arctic Circle has 2 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Arctic Circle

Most Arctic Circle deals financed between $160K and $574K. Above $574K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$574K

Monthly payment (10-yr): $7,509
Down payment (10%): $64K
Cash to close (all-in): $85K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$85K)

Experience

Recent financings

Sun Ridge Builders Inc. in Woodburn, OR — $574K (2020) · Columbia Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$431K (75%)
Approval → funding
20 days
Approved
9/10/2020
First disbursed
9/30/2020
Loan status
Paid in full (3/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Columbia Bank · Lender record →
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C & M Foods, L.L.C. in Jerome, ID — $160K (2020) · Idaho Central CU
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$120K (75%)
Approval → funding
30 days
Approved
10/31/2019
First disbursed
11/30/2019
Loan status
Paid in full (3/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
25
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Idaho Central CU · Lender record →
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Who funds Arctic Circle — and where

Every dot is a financed Arctic Circle — 2 mapped.

Financed Arctic Circle locations — list all 2 as text

Sun Ridge Builders Inc. — Woodburn · $574K · FY2020 · Limited-Service Restaurants
C & M Foods, L.L.C. — Jerome · $160K · FY2020 · Limited-Service Restaurants

Top lenders for this brand

Most active states

1.Oregon (1 loans)
2.Idaho (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Arctic Circle 1 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Arctic Circle lending specialist.

Common questions

How much does a Arctic Circle cost to buy or open?

The typical deal for Arctic Circle is $574K across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $63K of buyer cash on a typical deal.

How risky is Arctic Circle?

Arctic Circle has 2 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a Arctic Circle with an SBA loan?

Yes — Arctic Circle has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Arctic Circle franchise

Most Arctic Circle buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Arctic Circle deal financed for $574K, which points to about $63K of buyer cash on a typical purchase. Arctic Circle is listed in the SBA Franchise Directory (identifier S2104), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Arctic Circle — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.

AI summary

This profile summarizes public SBA financing activity for Arctic Circle — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.

Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.

Agent summary

This page summarizes public SBA 7(a) financing for Arctic Circle — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Arctic Circle is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

2 SBA 7(a) deals since 2020
$574K typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S2104)
Top lenders: Columbia Bank, Idaho Central CU

Next steps

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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.
Canonical:: https://www.capbench.com/franchises/arctic-circle
API:: https://www.capbench.com/api/public/franchises/arctic-circle
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 SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.

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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Arctic Circle.