Breadsmith, 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 S0248)

4 deals since 2020 · typical deal $340K

Deals since 2020

$340K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Breadsmith has 4 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 Breadsmith

Most Breadsmith deals financed between $89K and $459K. Above $459K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$340K

Monthly payment (10-yr): $4,732
Down payment (10%): $38K
Cash to close (all-in): $51K

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 ~$51K)

Experience

Recent financings

Breadsmith in Saint Louis, MO — $340K (2025) · purchase · St. Louis Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$255K (75%)
Approval → funding
7 days
Approved
10/18/2024
First disbursed
10/25/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$378K
Est. down payment (10%)
$38K
Est. cash at closing
$51K
Monthly payment
$4,540
Annual debt service
$54K
Cash flow needed (1.25×)
$68K
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 St. Louis Bank · Lender record →
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Meat Jesus, LLC in Fargo, ND — $89K (2023) · purchase · First Community CU
Program
7a General
Rate at approval
7.6% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$76K (85%)
Approval → funding
2 days
Approved
3/22/2023
First disbursed
3/24/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
19
Business age
Change of Ownership
Industry
Baked Goods Retailers
If you were the buyer here
Est. deal size
$99K
Est. down payment (10%)
$10K
Est. cash at closing
$13K
Monthly payment
$1,374
Annual debt service
$16K
Cash flow needed (1.25×)
$21K
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 First Community CU
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Beleva, LLC in Green Bay, WI — $459K (2021) · purchase · Bank First, N.A.
Program
Preferred Lenders Program
Rate at approval
4.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$413K (90%)
Approval → funding
5 days
Approved
8/4/2021
First disbursed
8/9/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$510K
Est. down payment (10%)
$51K
Est. cash at closing
$68K
Monthly payment
$4,702
Annual debt service
$56K
Cash flow needed (1.25×)
$71K
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 Bank First, N.A. · Lender record →
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Beleva, LLC in Green Bay, WI — $25K (2021) · Bank First, N.A.
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$19K (75%)
Approval → funding
5 days
Approved
8/4/2021
First disbursed
8/9/2021
Loan status
Paid in full (12/31/2024)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Retail Bakeries
Funded by Bank First, N.A. · Lender record →
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Who funds Breadsmith — and where

Every dot is a financed Breadsmith — 4 mapped.

Financed Breadsmith locations — list all 4 as text

Breadsmith — Saint Louis · $340K · FY2025 · Retail Bakeries
Meat Jesus, LLC — Fargo · $89K · FY2023 · Baked Goods Retailers
Beleva, LLC — Green Bay · $25K · FY2021 · Retail Bakeries
Beleva, LLC — Green Bay · $459K · FY2021 · Retail Bakeries

Top lenders for this brand

Most active states

1.Wisconsin (2 loans)
2.Missouri (1 loans)
3.North Dakota (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Breadsmith 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 Breadsmith lending specialist.

Common questions

How much does a Breadsmith cost to buy or open?

The typical deal for Breadsmith is $340K across 4 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $37K of buyer cash on a typical deal.

How risky is Breadsmith?

Breadsmith 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 Breadsmith with an SBA loan?

Yes — Breadsmith 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 Breadsmith franchise

Most Breadsmith 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 Breadsmith deal financed for $340K, which points to about $37K of buyer cash on a typical purchase. Breadsmith is listed in the SBA Franchise Directory (identifier S0248), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Breadsmith — 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 Breadsmith — 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 Breadsmith — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Breadsmith 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
$340K typical deal
1 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S0248)
Top lenders: Bank First, N.A., St. Louis Bank, First Community CU

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/breadsmith
API:: https://www.capbench.com/api/public/franchises/breadsmith
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 Breadsmith.