Big Apple Bagels, 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 S0212)
4 deals since 2020 · typical deal $120K
4
Deals since 2020
$120K
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Big Apple Bagels
Most Big Apple Bagels deals financed between $109K and $123K. Above $123K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $1,774
- Down payment (10%)
- $13K
- Cash to close (all-in)
- $17K
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 ~$17K)
Experience
Recent financings
- VLW VENTURES LLC in De Pere, WI — $123K (2025) · purchase · Nicolet National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $104K (85%)
- Approval → funding
- 13 days
- Approved
- 1/24/2025
- First disbursed
- 2/6/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $136K
- Est. down payment (10%)
- $14K
- Est. cash at closing
- $18K
- Monthly payment
- $1,521
- Annual debt service
- $18K
- Cash flow needed (1.25×)
- $23K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Nicolet National Bank · Lender record →
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- Norstar Investments, L.L.C. in Duluth, MN — $120K (2022) · National Bank of Commerce
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6% fixed
- Term
- 72 mo (6 yrs)
- SBA guaranteed
- $60K (50%)
- Approval → funding
- 19 days
- Approved
- 3/31/2022
- First disbursed
- 4/19/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by National Bank of Commerce
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- 4EMPOWERMENT LLC in Green Bay, WI — $109K (2022) · purchase · Nicolet National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $93K (85%)
- Approval → funding
- 10 days
- Approved
- 8/19/2022
- First disbursed
- 8/29/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $121K
- Est. down payment (10%)
- $12K
- Est. cash at closing
- $16K
- Monthly payment
- $1,635
- Annual debt service
- $20K
- Cash flow needed (1.25×)
- $25K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Nicolet National Bank · Lender record →
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- Northstar Unlimited LLC in Bemidji, MN — $100K (2021) · purchase · Ultima Bank Minnesota
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.75% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $75K (75%)
- Approval → funding
- 4 days
- Approved
- 3/4/2021
- First disbursed
- 3/8/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Full-Service Restaurants
If you were the buyer here
- Est. deal size
- $111K
- Est. down payment (10%)
- $11K
- Est. cash at closing
- $14K
- Monthly payment
- $1,449
- Annual debt service
- $17K
- Cash flow needed (1.25×)
- $22K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Ultima Bank Minnesota · Lender record →
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Who funds Big Apple Bagels — and where
Every dot is a financed Big Apple Bagels — 4 mapped.
Financed Big Apple Bagels locations — list all 4 as text
- Northstar Unlimited LLC — Bemidji · $100K · FY2021 · Full-Service Restaurants
- 4EMPOWERMENT LLC — Green Bay · $109K · FY2022 · Full-Service Restaurants
- VLW VENTURES LLC — De Pere · $123K · FY2025 · Snack and Nonalcoholic Beverage Bars
- Norstar Investments, L.L.C. — Duluth · $120K · FY2022 · Limited-Service Restaurants
Top lenders for this brand
1.Nicolet National Bank(2)
2.Ultima Bank Minnesota(1)
- 3.National Bank of Commerce (1)
Most active states
- 1.Minnesota (2 loans)
- 2.Wisconsin (2 loans)
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Common questions
How much does a Big Apple Bagels cost to buy or open?
The typical deal for Big Apple Bagels is $120K across 4 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $13K of buyer cash on a typical deal.
How risky is Big Apple Bagels?
Big Apple Bagels has 4 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 Big Apple Bagels with an SBA loan?
Yes — Big Apple Bagels has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Big Apple Bagels franchise
Most Big Apple Bagels 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 Big Apple Bagels deal financed for $120K, which points to about $13K of buyer cash on a typical purchase. Big Apple Bagels is listed in the SBA Franchise Directory (identifier S0212), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Big Apple Bagels — 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 Big Apple Bagels — 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 Big Apple Bagels — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Big Apple Bagels is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 4 SBA 7(a) deals since 2020
- $120K typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0212)
- Top lenders: Nicolet National Bank, Ultima Bank Minnesota, National Bank of Commerce
- 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 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 Big Apple Bagels.