Golden Krust Caribbean Bakery & Grill, by the numbers

Golden Krust Caribbean Bakery & Grill appears in 6 SBA 7(a) loans since 2020 — from public SBA 7(a) loan records (FY2020–present). 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

Deals since 2020

$644K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Golden Krust Caribbean Bakery & Grill has 6 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 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.

Your deal size$644K

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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal

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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)Golden Krust Caribbean Bakery & Grill lenders in New York->
2.North Carolina (1 loans)Golden Krust Caribbean Bakery & Grill lenders in North Carolina->
3.New Jersey (1 loans)Golden Krust Caribbean Bakery & Grill lenders in New Jersey->
4.Georgia (1 loans)Golden Krust Caribbean Bakery & Grill lenders in Georgia->

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Insider move

Start with the lenders above — a bank that's funded Golden Krust Caribbean Bakery & Grill 2 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 Golden Krust Caribbean Bakery & Grill lending specialist.

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

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 2026-07-27.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/franchises/golden-krust-caribbean-bakery-grill
API:: https://www.capbench.com/api/public/franchises/golden-krust-caribbean-bakery-grill
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.