Carvel Ice Cream Shoppe, 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 S0351)
10 deals since 2020 · typical deal $564K
10
Deals since 2020
$564K
Typical deal
4
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Carvel Ice Cream Shoppe
Most Carvel Ice Cream Shoppe deals financed between $300K and $592K. Above $592K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $7,375
- Down payment (10%)
- $63K
- Cash to close (all-in)
- $84K
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 ~$84K)
Experience
Recent financings
- J&A Restaurant Inc. in Laurel, MD — $668K (2026) · Univest Bank and Trust Co
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 123 months
- SBA guaranteed
- $501K (75%)
- Approved
- 12/1/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Univest Bank and Trust Co · Lender record →
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- CHL Property Management LLC in Far Rockaway, NY — $592K (2025) · Hanover Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 129 months
- SBA guaranteed
- $444K (75%)
- Approved
- 2/3/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Ice Cream and Frozen Dessert Manufacturing
Funded by Hanover Community Bank · Lender record →
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- BBE Business Development LLC in Sarasota, FL — $406K (2025) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 124 months
- SBA guaranteed
- $305K (75%)
- Approval → funding
- 95 days
- Approved
- 9/27/2025
- First disbursed
- 12/31/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Citizens Bank · Lender record →
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- Three Swirls LLC in Babcock Ranch, FL — $105K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.99% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $89K (85%)
- Approval → funding
- 23 days
- Approved
- 9/23/2025
- First disbursed
- 10/16/2025
- 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
- Limited-Service Restaurants
Funded by Live Oak Banking Company · Lender record →
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- Reagan A Joseph & Janiet Francis LLC in Middletown, NY — $300K (2024) · purchase · VelocitySBA, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 28 days
- Approved
- 4/16/2024
- First disbursed
- 5/14/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- All Other Specialty Food Retailers
If you were the buyer here
- Est. deal size
- $333K
- Est. down payment (10%)
- $33K
- Est. cash at closing
- $45K
- Monthly payment
- $4,175
- Annual debt service
- $50K
- Cash flow needed (1.25×)
- $63K
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 VelocitySBA, LLC · Lender record →
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- AKG FROZEN TREATS INC. in Oceanside, NY — $70K (2024) · Webster Bank National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $35K (50%)
- Approval → funding
- 35 days
- Approved
- 10/3/2023
- First disbursed
- 11/7/2023
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Frozen Specialty Food Manufacturing
Funded by Webster Bank National Association · Lender record →
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- COBAIN CREAMERY LLC in Jackson, NJ — $580K (2023) · PNC Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.05% fixed
- Term
- 119 months
- SBA guaranteed
- $435K (75%)
- Approval → funding
- 28 days
- Approved
- 12/7/2022
- First disbursed
- 1/4/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 34
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by PNC Bank, National Association · Lender record →
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- Deen Sweet Treats, LLC in Hollis, NY — $564K (2023) · Hanover Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 126 months
- SBA guaranteed
- $423K (75%)
- Approval → funding
- 98 days
- Approved
- 11/2/2022
- First disbursed
- 2/8/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Hanover Community Bank · Lender record →
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- Reagan A Joseph & Janiet Francis LLC in New City, NY — $350K (2022) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 9 days
- Approved
- 7/27/2022
- First disbursed
- 8/5/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Readycap Lending, LLC · Lender record →
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- Airpac 79 Holdings LLC in Southampton, NY — $1.5M (2021) · Dime Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.4M (90%)
- Approval → funding
- 0 days
- Approved
- 7/28/2021
- First disbursed
- 7/28/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Dime Community Bank · Lender record →
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Serious about buying a Carvel Ice Cream Shoppe?
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Who funds Carvel Ice Cream Shoppe — and where
Every dot is a financed Carvel Ice Cream Shoppe — 10 mapped.
Financed Carvel Ice Cream Shoppe locations — list all 10 as text
- Deen Sweet Treats, LLC — Hollis · $564K · FY2023 · Limited-Service Restaurants
- COBAIN CREAMERY LLC — Jackson · $580K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Three Swirls LLC — Babcock Ranch · $105K · FY2025 · Limited-Service Restaurants
- BBE Business Development LLC — Sarasota · $406K · FY2025 · Snack and Nonalcoholic Beverage Bars
- J&A Restaurant Inc. — Laurel · $668K · FY2026 · Limited-Service Restaurants
- Reagan A Joseph & Janiet Francis LLC — New City · $350K · FY2022 · Snack and Nonalcoholic Beverage Bars
- Reagan A Joseph & Janiet Francis LLC — Middletown · $300K · FY2024 · All Other Specialty Food Retailers
- AKG FROZEN TREATS INC. — Oceanside · $70K · FY2024 · Frozen Specialty Food Manufacturing
- CHL Property Management LLC — Far Rockaway · $592K · FY2025 · Ice Cream and Frozen Dessert Manufacturing
- Airpac 79 Holdings LLC — Southampton · $1.5M · FY2021 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.New York (6 loans)
- 2.Florida (2 loans)
- 3.New Jersey (1 loans)
- 4.Maryland (1 loans)
Represent Carvel Ice Cream Shoppe?
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Common questions
How much does a Carvel Ice Cream Shoppe cost to buy or open?
The typical deal for Carvel Ice Cream Shoppe is $564K across 10 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $62K of buyer cash on a typical deal.
How risky is Carvel Ice Cream Shoppe?
Carvel Ice Cream Shoppe has 10 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 Carvel Ice Cream Shoppe with an SBA loan?
Yes — Carvel Ice Cream Shoppe has been SBA-financed 4 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Carvel Ice Cream Shoppe franchise
Most Carvel Ice Cream Shoppe 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 Carvel Ice Cream Shoppe deal financed for $564K, which points to about $62K of buyer cash on a typical purchase. Carvel Ice Cream Shoppe is listed in the SBA Franchise Directory (identifier S0351), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Carvel Ice Cream Shoppe — 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 Carvel Ice Cream Shoppe — 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 Carvel Ice Cream Shoppe — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Carvel Ice Cream Shoppe is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 10 SBA 7(a) deals since 2020
- $564K typical deal
- 4 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0351)
- Top lenders: Hanover Community Bank, PNC Bank, National Association, Live Oak Banking Company
- 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 Carvel Ice Cream Shoppe.