Gigi's Cupcakes, 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 S0719)
3 deals since 2020 · typical deal $297K
3
Deals since 2020
$297K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Gigi's Cupcakes
Most Gigi's Cupcakes deals financed between $20K and $315K. Above $315K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $4,133
- Down payment (10%)
- $33K
- Cash to close (all-in)
- $44K
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 ~$44K)
Experience
Recent financings
- GIGI CUPCAKES TAMPA in Tampa, FL — $315K (2022) · purchase · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $236K (75%)
- Approval → funding
- 30 days
- Approved
- 3/7/2022
- First disbursed
- 4/6/2022
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $350K
- Est. down payment (10%)
- $35K
- Est. cash at closing
- $47K
- Monthly payment
- $3,497
- Annual debt service
- $42K
- Cash flow needed (1.25×)
- $52K
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 Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
- SML International, Inc. in Christiansburg, VA — $297K (2020) · The First Bank and Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 6.5% fixed
- Term
- 96 mo (8 yrs)
- SBA guaranteed
- $223K (75%)
- Approval → funding
- 26 days
- Approved
- 12/5/2019
- First disbursed
- 12/31/2019
- Loan status
- Paid in full (10/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Retail Bakeries
Funded by The First Bank and Trust Company
Your business? Claim this record · Request removal
- SML International, Inc. in Christiansburg, VA — $20K (2020) · The First Bank and Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $10K (50%)
- Approval → funding
- 299 days
- Approved
- 12/6/2019
- First disbursed
- 9/30/2020
- Loan status
- Paid in full (10/31/2024)
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Retail Bakeries
Funded by The First Bank and Trust Company
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Who funds Gigi's Cupcakes — and where
Every dot is a financed Gigi's Cupcakes — 3 mapped.
Financed Gigi's Cupcakes locations — list all 3 as text
- SML International, Inc. — Christiansburg · $297K · FY2020 · Retail Bakeries
- SML International, Inc. — Christiansburg · $20K · FY2020 · Retail Bakeries
- GIGI CUPCAKES TAMPA — Tampa · $315K · FY2022 · Snack and Nonalcoholic Beverage Bars
Top lenders for this brand
- 1.The First Bank and Trust Company (2)
- 2.Newtek Small Business Finance, Inc. (1)
Most active states
- 1.Virginia (2 loans)
- 2.Florida (1 loans)
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Common questions
How much does a Gigi's Cupcakes cost to buy or open?
The typical deal for Gigi's Cupcakes is $297K across 3 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 Gigi's Cupcakes?
Gigi's Cupcakes 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 Gigi's Cupcakes with an SBA loan?
Yes — Gigi's Cupcakes 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 Gigi's Cupcakes franchise
Most Gigi's Cupcakes 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 Gigi's Cupcakes deal financed for $297K, which points to about $33K of buyer cash on a typical purchase. Gigi's Cupcakes is listed in the SBA Franchise Directory (identifier S0719), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Gigi's Cupcakes — 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 Gigi's Cupcakes — 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 Gigi's Cupcakes — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Gigi's Cupcakes 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
- $297K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0719)
- Top lenders: The First Bank and Trust Company, Newtek Small Business Finance, Inc.
- 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 Gigi's Cupcakes.