Beard Papa's Sweets Café, 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 S2120)

2 deals since 2020 · typical deal $256K

Deals since 2020

$256K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Beard Papa's Sweets Café 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 Beard Papa's Sweets Café

Most Beard Papa's Sweets Café deals financed between $200K and $256K. Above $256K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$256K

Monthly payment (10-yr): $3,560
Down payment (10%): $28K
Cash to close (all-in): $38K

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 ~$38K)

Experience

Recent financings

Zynasti Inc. in Minneapolis, MN — $200K (2021) · BankCherokee
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
126 months
SBA guaranteed
$180K (90%)
Approval → funding
15 days
Approved
9/28/2021
First disbursed
10/13/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by BankCherokee · Lender record →
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Jizelley LLC in Scottsdale, AZ — $256K (2020) · JPMorgan Chase Bank, National Association
Program
Preferred Lenders Program
Rate at approval
7% fixed
Term
126 months
SBA guaranteed
$192K (75%)
Approval → funding
58 days
Approved
9/28/2020
First disbursed
11/25/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Retail Bakeries
Funded by JPMorgan Chase Bank, National Association · Lender record →
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Who funds Beard Papa's Sweets Café — and where

Every dot is a financed Beard Papa's Sweets Café — 2 mapped.

Financed Beard Papa's Sweets Café locations — list all 2 as text

Jizelley LLC — Scottsdale · $256K · FY2020 · Retail Bakeries
Zynasti Inc. — Minneapolis · $200K · FY2021 · Snack and Nonalcoholic Beverage Bars

Top lenders for this brand

Most active states

1.Arizona (1 loans)
2.Minnesota (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Beard Papa's Sweets Café 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 Beard Papa's Sweets Café lending specialist.

Common questions

How much does a Beard Papa's Sweets Café cost to buy or open?

The typical deal for Beard Papa's Sweets Café is $256K across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $28K of buyer cash on a typical deal.

How risky is Beard Papa's Sweets Café?

Beard Papa's Sweets Café 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 Beard Papa's Sweets Café with an SBA loan?

Yes — Beard Papa's Sweets Café 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 Beard Papa's Sweets Café franchise

Most Beard Papa's Sweets Café 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 Beard Papa's Sweets Café deal financed for $256K, which points to about $28K of buyer cash on a typical purchase. Beard Papa's Sweets Café is listed in the SBA Franchise Directory (identifier S2120), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Beard Papa's Sweets Café — 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 Beard Papa's Sweets Café — 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 Beard Papa's Sweets Café — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Beard Papa's Sweets Café 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
$256K typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S2120)
Top lenders: JPMorgan Chase Bank, National Association, BankCherokee

Next steps

Check SBA fit Find SBA lenders $9 lender report

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/beard-papa-s-sweets-caf
API:: https://www.capbench.com/api/public/franchises/beard-papa-s-sweets-caf
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 Beard Papa's Sweets Café.