Golden Krust Caribbean Bakery & Grill, 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 S4394)
6 deals since 2020 · typical deal $644K
6
Deals since 2020
$644K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Golden Krust Caribbean Bakery & Grill
Most Golden Krust Caribbean Bakery & Grill deals financed between $100K and $675K. Above $675K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $8,422
- Down payment (10%)
- $72K
- Cash to close (all-in)
- $96K
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 ~$96K)
Experience
Recent financings
- CYPRESS RUNDOWN LLC. in Kennesaw, GA — $644K (2024) · purchase · PNC Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.13% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $483K (75%)
- Approval → funding
- 17 days
- Approved
- 3/30/2024
- First disbursed
- 4/16/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $716K
- Est. down payment (10%)
- $72K
- Est. cash at closing
- $96K
- Monthly payment
- $8,203
- Annual debt service
- $98K
- Cash flow needed (1.25×)
- $123K
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 PNC Bank, National Association · Lender record →
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- ASHROC LLC in Plainfield, NJ — $990K (2023) · PNC Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.54% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $743K (75%)
- Approval → funding
- 27 days
- Approved
- 12/8/2022
- First disbursed
- 1/4/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by PNC Bank, National Association · Lender record →
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- TRIPLE A DISTRIBUTION INC in Brooklyn, NY — $100K (2022) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approval → funding
- 27 days
- Approved
- 4/3/2022
- First disbursed
- 4/30/2022
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Manufacturers and Traders Trust Company · Lender record →
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- CAPITAL FOOD MGMT, INC. in Raleigh, NC — $675K (2021) · United Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 126 months
- SBA guaranteed
- $608K (90%)
- Approval → funding
- 9 days
- Approved
- 4/21/2021
- First disbursed
- 4/30/2021
- Loan status
- Paid in full (2/28/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by United Community Bank · Lender record →
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- Camden Caribbean Foods, LLC in Jamaica, NY — $125K (2020) · Grow America Fund, Incorporated
- Program
- 7a General
- Rate at approval
- 7.25% variable
- Term
- 237 months
- SBA guaranteed
- $106K (85%)
- Approval → funding
- 144 days
- Approved
- 2/7/2020
- First disbursed
- 6/30/2020
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Grow America Fund, Incorporated · Lender record →
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- CUISINE DE LA STEPHEN in Bronx, NY — $90K (2020) · Santander Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $45K (50%)
- Approved
- 10/30/2019
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Santander Bank, National Association · Lender record →
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Who funds Golden Krust Caribbean Bakery & Grill — and where
Every dot is a financed Golden Krust Caribbean Bakery & Grill — 6 mapped.
Financed Golden Krust Caribbean Bakery & Grill locations — list all 6 as text
- CAPITAL FOOD MGMT, INC. — Raleigh · $675K · FY2021 · Limited-Service Restaurants
- ASHROC LLC — Plainfield · $990K · FY2023 · Limited-Service Restaurants
- CYPRESS RUNDOWN LLC. — Kennesaw · $644K · FY2024 · Limited-Service Restaurants
- CUISINE DE LA STEPHEN — Bronx · $90K · FY2020 · Full-Service Restaurants
- Camden Caribbean Foods, LLC — Jamaica · $125K · FY2020 · Limited-Service Restaurants
- TRIPLE A DISTRIBUTION INC — Brooklyn · $100K · FY2022 · Full-Service Restaurants
Top lenders for this brand
Most active states
- 1.New York (3 loans)
- 2.North Carolina (1 loans)
- 3.New Jersey (1 loans)
- 4.Georgia (1 loans)
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Common questions
How much does a Golden Krust Caribbean Bakery & Grill cost to buy or open?
The typical deal for Golden Krust Caribbean Bakery & Grill is $644K across 6 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $71K of buyer cash on a typical deal.
How risky is Golden Krust Caribbean Bakery & Grill?
Golden Krust Caribbean Bakery & Grill has 6 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 Golden Krust Caribbean Bakery & Grill with an SBA loan?
Yes — Golden Krust Caribbean Bakery & Grill 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 Golden Krust Caribbean Bakery & Grill franchise
Most Golden Krust Caribbean Bakery & Grill 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 Golden Krust Caribbean Bakery & Grill deal financed for $644K, which points to about $71K of buyer cash on a typical purchase. Golden Krust Caribbean Bakery & Grill is listed in the SBA Franchise Directory (identifier S4394), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Golden Krust Caribbean Bakery & Grill — 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 Golden Krust Caribbean Bakery & Grill — 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 Golden Krust Caribbean Bakery & Grill — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Golden Krust Caribbean Bakery & Grill is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 6 SBA 7(a) deals since 2020
- $644K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S4394)
- Top lenders: PNC Bank, National Association, United Community Bank, Santander 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 Golden Krust Caribbean Bakery & Grill.