Bad Bakers, 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 S6489)

3 deals since 2020 · typical deal $350K

Deals since 2020

$350K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Bad Bakers has 3 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 Bad Bakers

Most Bad Bakers deals financed between $250K and $642K. Above $642K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$350K

Monthly payment (10-yr): $4,871
Down payment (10%): $39K
Cash to close (all-in): $52K

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 ~$52K)

Experience

Recent financings

Good Dae Inc in West Sacramento, CA — $642K (2025) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
123 months
SBA guaranteed
$482K (75%)
Approval → funding
90 days
Approved
9/30/2025
First disbursed
12/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
22
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Li Bakers LLC in Woodland, CA — $350K (2025) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
123 months
SBA guaranteed
$263K (75%)
Approval → funding
76 days
Approved
3/12/2025
First disbursed
5/27/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
PAYDAE LLC in Sacramento, CA — $250K (2021) · Plumas Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
124 months
SBA guaranteed
$225K (90%)
Approval → funding
33 days
Approved
5/19/2021
First disbursed
6/21/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Retail Bakeries
Funded by Plumas Bank · Lender record →
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Who funds Bad Bakers — and where

Every dot is a financed Bad Bakers — 3 mapped.

Financed Bad Bakers locations — list all 3 as text

PAYDAE LLC — Sacramento · $250K · FY2021 · Retail Bakeries
Good Dae Inc — West Sacramento · $642K · FY2025 · Snack and Nonalcoholic Beverage Bars
Li Bakers LLC — Woodland · $350K · FY2025 · Snack and Nonalcoholic Beverage Bars

Top lenders for this brand

Most active states

1.California (3 loans)

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Insider move

Start with the lenders above — a bank that's funded Bad Bakers 2 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 Bad Bakers lending specialist.

Common questions

How much does a Bad Bakers cost to buy or open?

The typical deal for Bad Bakers is $350K across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $39K of buyer cash on a typical deal.

How risky is Bad Bakers?

Bad Bakers has 3 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 Bad Bakers with an SBA loan?

Yes — Bad Bakers has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Bad Bakers franchise

Most Bad Bakers 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 Bad Bakers deal financed for $350K, which points to about $39K of buyer cash on a typical purchase. Bad Bakers is listed in the SBA Franchise Directory (identifier S6489), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Bad Bakers — 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 Bad Bakers — 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 Bad Bakers — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Bad Bakers is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

3 SBA 7(a) deals since 2020
$350K typical deal
2 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S6489)
Top lenders: Byline Bank, Plumas Bank

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/bad-bakers
API:: https://www.capbench.com/api/public/franchises/bad-bakers
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 Bad Bakers.