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Cinnaholic, by the numbers

Cinnaholic appears in 51 SBA 7(a) loans since 2020, with a 3.45% cohort charge-off (failure) rate — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S0381)

51 deals since 2020 · typical deal $300K · 3.45% failure rate

51

Deals since 2020

$300K

Typical deal

10

Deals since FY2025

3.45%

Failure rate (FY20–23)

3.45% of Cinnaholic's FY2020–23 deals failed — well above typical. Price that risk into your offer and your reserves.

What buyers pay for Cinnaholic

Most Cinnaholic deals financed between $195K and $388K. Above $388K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$4,175
Down payment (10%)
$33K
Cash to close (all-in)
$45K

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 ~$45K)

Experience

Recent financings

  • Gulistan Food LLC in Pigeon Forge, TN — $570K (2026) · Citizens Bank
  • Prettydawg Inc. in Waxahachie, TX — $502K (2026) · Citizens Bank
  • CINNAHOLIC BRIGHTON in Brighton, MI — $526K (2025) · First Bank of the Lake
  • CINNAMIMI99, LLC in Oklahoma City, OK — $401K (2025) · The Huntington National Bank
  • Cinnaholic Virginia Beach in Virginia Beach, VA — $339K (2025) · purchase · Mechanics and Farmers Bank
  • NICE BUNS, LLC in Atlanta, GA — $296K (2025) · purchase · Magnifi Financial CU
  • Cinnaholic in New York, NY — $251K (2025) · First Bank of the Lake
  • Ruti, LLC in Sumter, SC — $166K (2025) · The Huntington National Bank
  • CINNAMIMI99, LLC in Oklahoma City, OK — $50K (2025) · The Huntington National Bank
  • Ruti, LLC in Sumter, SC — $20K (2025) · The Huntington National Bank

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Cinnaholic brand mark

Who funds Cinnaholic — and where

Every dot is a financed Cinnaholic — 51 mapped.

Financed Cinnaholic locations — list all 51 as text

Top lenders for this brand

  1. 1.The Huntington National Bank(21)
  2. 2.Citizens Bank(4)
  3. 3.Old National Bank(3)
  4. 4.First Bank of the Lake(3)
  5. 5.Mechanics and Farmers Bank(2)

Most active states

  1. 1.Texas (15 loans)Cinnaholic lenders in Texas->
  2. 2.Virginia (5 loans)Cinnaholic lenders in Virginia->
  3. 3.North Carolina (4 loans)Cinnaholic lenders in North Carolina->
  4. 4.Indiana (4 loans)Cinnaholic lenders in Indiana->
  5. 5.South Carolina (4 loans)Cinnaholic lenders in South Carolina->
  6. 6.New Jersey (3 loans)Cinnaholic lenders in New Jersey->
  7. 7.Georgia (3 loans)Cinnaholic lenders in Georgia->
  8. 8.Illinois (2 loans)Cinnaholic lenders in Illinois->

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Common questions

How much does a Cinnaholic cost to buy or open?

The typical deal for Cinnaholic is $300K across 51 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $33K of buyer cash on a typical deal.

How risky is Cinnaholic?

3.45% of Cinnaholic's FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a Cinnaholic with an SBA loan?

Yes — Cinnaholic has been SBA-financed 10 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Cinnaholic franchise

Most Cinnaholic 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 Cinnaholic deal financed for $300K, which points to about $33K of buyer cash on a typical purchase. Cinnaholic is listed in the SBA Franchise Directory (identifier S0381), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Cinnaholic — 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 Cinnaholic — 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 Cinnaholic — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Cinnaholic is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 51 SBA 7(a) deals since 2020
  • $300K typical deal
  • 10 deals since FY2025
  • 3.45% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S0381)
  • Top lenders: The Huntington National Bank, Citizens Bank, Old National Bank

Next steps

Check SBA fitFind SBA lenders$9 lender report
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-08-01.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/cinnaholic
API:
https://www.capbench.com/api/public/franchises/cinnaholic
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 Cinnaholic.

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