Fosters Freeze, 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 S2357)

7 deals since 2020 · typical deal $858K

Deals since 2020

$858K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Fosters Freeze has 7 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 Fosters Freeze

Most Fosters Freeze deals financed between $350K and $3.50M. Above $3.50M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$858K

Monthly payment (10-yr): $11,220
Down payment (10%): $95K
Cash to close (all-in): $131K

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 ~$131K)

Experience

Recent financings

KURUPPANATTU, INC. in Ceres, CA — $1.4M (2023) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
228 mo (19 yrs)
SBA guaranteed
$1.1M (75%)
Approval → funding
27 days
Approved
5/11/2023
First disbursed
6/7/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
Jose Antonio Lopez in Rosamond, CA — $3.5M (2022) · purchase · Columbia Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.6M (75%)
Approval → funding
14 days
Approved
4/22/2022
First disbursed
5/6/2022
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Individual
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$3.9M
Est. down payment (10%)
$389K
Est. cash at closing
$537K
Monthly payment
$21,487
Annual debt service
$258K
Cash flow needed (1.25×)
$322K
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 Columbia Bank · Lender record →
Your business? Claim this record · Request removal
Fosters Freeze #134 in Bell Gardens, CA — $680K (2022) · Hanmi Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$510K (75%)
Approval → funding
8 days
Approved
6/20/2022
First disbursed
6/28/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Individual
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Hanmi Bank · Lender record →
Your business? Claim this record · Request removal
FOSTER FREEZE in Twentynine Palms, CA — $72K (2022) · U.S. Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.49% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$36K (50%)
Approval → funding
6 days
Approved
9/29/2022
First disbursed
10/5/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Individual
Business age
Existing or more than 2 years old
Industry
Full-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Fosters #1500 Inc. in Salinas, CA — $3.7M (2021) · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.4M (90%)
Approval → funding
1 days
Approved
8/30/2021
First disbursed
8/31/2021
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
FOSTERS FREEZE PARTNERSHIP in Vacaville, CA — $350K (2021) · purchase · West Coast Community Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$315K (90%)
Approval → funding
29 days
Approved
4/14/2021
First disbursed
5/13/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
14
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$3,886
Annual debt service
$47K
Cash flow needed (1.25×)
$58K
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 West Coast Community Bank · Lender record →
Your business? Claim this record · Request removal
Foster Freeze #240 in San Leandro, CA — $858K (2020) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$644K (75%)
Approval → funding
12 days
Approved
8/19/2020
First disbursed
8/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal

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Who funds Fosters Freeze — and where

Every dot is a financed Fosters Freeze — 7 mapped.

Financed Fosters Freeze locations — list all 7 as text

FOSTERS FREEZE PARTNERSHIP — Vacaville · $350K · FY2021 · Limited-Service Restaurants
Foster Freeze #240 — San Leandro · $858K · FY2020 · Limited-Service Restaurants
Jose Antonio Lopez — Rosamond · $3.5M · FY2022 · Limited-Service Restaurants
Fosters Freeze #134 — Bell Gardens · $680K · FY2022 · Limited-Service Restaurants
FOSTER FREEZE — Twentynine Palms · $72K · FY2022 · Full-Service Restaurants
KURUPPANATTU, INC. — Ceres · $1.4M · FY2023 · Limited-Service Restaurants
Fosters #1500 Inc. — Salinas · $3.7M · FY2021 · Limited-Service Restaurants

Top lenders for this brand

Most active states

1.California (7 loans)

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Insider move

Start with the lenders above — a bank that's funded Fosters Freeze 1 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 Fosters Freeze lending specialist.

Common questions

How much does a Fosters Freeze cost to buy or open?

The typical deal for Fosters Freeze is $858K across 7 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $94K of buyer cash on a typical deal.

How risky is Fosters Freeze?

Fosters Freeze has 7 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 Fosters Freeze with an SBA loan?

Yes — Fosters Freeze has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Fosters Freeze franchise

Most Fosters Freeze 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 Fosters Freeze deal financed for $858K, which points to about $94K of buyer cash on a typical purchase. Fosters Freeze is listed in the SBA Franchise Directory (identifier S2357), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Fosters Freeze — 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 Fosters Freeze — 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 Fosters Freeze — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Fosters Freeze is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

7 SBA 7(a) deals since 2020
$858K typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S2357)
Top lenders: West Coast Community Bank, Readycap Lending, LLC, Columbia Bank

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/fosters-freeze
API:: https://www.capbench.com/api/public/franchises/fosters-freeze
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 Fosters Freeze.