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Cold Stone Creamery, 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 S8523)

202 deals since 2020 · typical deal $353K · 0.87% failure rate

202

Deals since 2020

$353K

Typical deal

62

Deals since FY2025

0.87%

Failure rate (FY20–23)

Cold Stone Creamery buyers almost always make it — a 0.87% failure rate puts it among the safest franchise bets on record.

What buyers pay for Cold Stone Creamery

Most Cold Stone Creamery deals financed between $213K and $520K. Above $520K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$4,612
Down payment (10%)
$39K
Cash to close (all-in)
$52K

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 ~$52K)

Experience

Recent financings

  • Inaika's Ice Cream LLC in Mount Washington, KY — $850K (2026) · VelocitySBA, LLC
  • Creamo LLC in Columbus, OH — $806K (2026) · Community Bank & Trust-West Georgia
  • J Lucks Group Me LLC in Sanford, FL — $761K (2026) · Busey Bank
  • CamiLuke Flavors LLC in San Antonio, TX — $701K (2026) · The Huntington National Bank
  • Cold Stone Creamery and Planet Smoothie in Elgin, SC — $650K (2026) · United Community Bank
  • The Treat Tree LLC in Ogden, UT — $644K (2026) · Zions Bank, A Division of
  • Cold Stone Creamery Billings in Billings, MT — $605K (2026) · purchase · First Bank of the Lake
  • SAVAR Enterprises LLC in Collegeville, PA — $576K (2026) · Peoples Security Bank and Trust Company
  • LITTLE GREEN SPOON INC. in Oswego, IL — $530K (2026) · Byline Bank
  • Odeh Saad Enterprise LLC in Sun City Center, FL — $511K (2026) · Lake Michigan CU

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

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Cold Stone Creamery brand mark

Who funds Cold Stone Creamery — and where

Every dot is a financed Cold Stone Creamery — 199 mapped.

Financed Cold Stone Creamery locations — list all 199 as text

Top lenders for this brand

  1. 1.The Huntington National Bank(44)
  2. 2.Citizens Bank(22)
  3. 3.U.S. Bank, National Association(6)
  4. 4.Readycap Lending, LLC(6)
  5. 5.Manufacturers and Traders Trust Company(5)

Most active states

  1. 1.California (46 loans)
  2. 2.Ohio (19 loans)
  3. 3.Florida (19 loans)
  4. 4.Texas (16 loans)
  5. 5.New York (7 loans)
  6. 6.Arizona (7 loans)
  7. 7.North Carolina (7 loans)
  8. 8.Colorado (7 loans)

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Common questions

How much does a Cold Stone Creamery cost to buy or open?

The typical deal for Cold Stone Creamery is $353K across 202 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $39K of buyer cash on a typical deal.

How risky is Cold Stone Creamery?

0.87% of Cold Stone Creamery'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 Cold Stone Creamery with an SBA loan?

Yes — Cold Stone Creamery has been SBA-financed 62 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Cold Stone Creamery franchise

Most Cold Stone Creamery 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 Cold Stone Creamery deal financed for $353K, which points to about $39K of buyer cash on a typical purchase. Cold Stone Creamery is listed in the SBA Franchise Directory (identifier S8523), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Cold Stone Creamery — 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 Cold Stone Creamery — 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 Cold Stone Creamery — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Cold Stone Creamery is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 202 SBA 7(a) deals since 2020
  • $353K typical deal
  • 62 deals since FY2025
  • 0.87% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S8523)
  • Top lenders: The Huntington National Bank, Citizens Bank, U.S. Bank, National Association

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 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/cold-stone-creamery
API:
https://www.capbench.com/api/public/franchises/cold-stone-creamery
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 Cold Stone Creamery.

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