Dippin' Dots, 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 S5104)
3 deals since 2020 · typical deal $722K
3
Deals since 2020
$722K
Typical deal
3
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Dippin' Dots
Most Dippin' Dots deals financed between $480K and $750K. Above $750K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $9,442
- Down payment (10%)
- $80K
- Cash to close (all-in)
- $110K
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 ~$110K)
Experience
Recent financings
- Dippin' Dots in Tucson, AZ — $750K (2025) · St. Louis Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $563K (75%)
- Approval → funding
- 6 days
- Approved
- 6/24/2025
- First disbursed
- 6/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Existing or more than 2 years old
- Industry
- Other Miscellaneous Nondurable Goods Merchant Wholesalers
Funded by St. Louis Bank · Lender record →
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- Dippin' Dots in Tucson, AZ — $722K (2025) · purchase · St. Louis Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $542K (75%)
- Approval → funding
- 17 days
- Approved
- 11/5/2024
- First disbursed
- 11/22/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Other Miscellaneous Nondurable Goods Merchant Wholesalers
If you were the buyer here
- Est. deal size
- $802K
- Est. down payment (10%)
- $80K
- Est. cash at closing
- $110K
- Monthly payment
- $6,946
- Annual debt service
- $83K
- Cash flow needed (1.25×)
- $104K
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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- Kristen Biggerstaff in Anna, IL — $480K (2025) · Peoples National Bank National Association
- Program
- 7a General
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $360K (75%)
- Approval → funding
- 21 days
- Approved
- 4/11/2025
- First disbursed
- 5/2/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Jobs supported
- 2
- Business age
- New Business or 2 years or less
- Industry
- Confectionery Merchant Wholesalers
Funded by Peoples National Bank National Association · Lender record →
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Who funds Dippin' Dots — and where
Every dot is a financed Dippin' Dots — 3 mapped.
Financed Dippin' Dots locations — list all 3 as text
- Dippin' Dots — Tucson · $750K · FY2025 · Other Miscellaneous Nondurable Goods Merchant Wholesalers
- Kristen Biggerstaff — Anna · $480K · FY2025 · Confectionery Merchant Wholesalers
- Dippin' Dots — Tucson · $722K · FY2025 · Other Miscellaneous Nondurable Goods Merchant Wholesalers
Top lenders for this brand
Most active states
- 1.Arizona (2 loans)
- 2.Illinois (1 loans)
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Common questions
How much does a Dippin' Dots cost to buy or open?
The typical deal for Dippin' Dots is $722K across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $79K of buyer cash on a typical deal.
How risky is Dippin' Dots?
Dippin' Dots has 3 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 Dippin' Dots with an SBA loan?
Yes — Dippin' Dots has been SBA-financed 3 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Dippin' Dots franchise
Most Dippin' Dots 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 Dippin' Dots deal financed for $722K, which points to about $79K of buyer cash on a typical purchase. Dippin' Dots is listed in the SBA Franchise Directory (identifier S5104), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Dippin' Dots — 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 Dippin' Dots — 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 Dippin' Dots — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Dippin' Dots is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 3 SBA 7(a) deals since 2020
- $722K typical deal
- 3 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S5104)
- Top lenders: St. Louis Bank, Peoples National Bank National Association
- 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 Dippin' Dots.