H & H Bagels, by the numbers
H & H Bagels appears in 4 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 S7173)
4 deals since 2020 · typical deal $881K
4
Deals since 2020
$881K
Typical deal
3
Deals since FY2025
—
Too few deals to score risk
What buyers pay for H & H Bagels
Most H & H Bagels deals financed between $766K and $1.11M. Above $1.11M, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $11,521
- Down payment (10%)
- $98K
- Cash to close (all-in)
- $134K
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 ~$134K)
Experience
Recent financings
- KSA Walsh LLC in Altamonte Springs, FL — $766K (2026) · One Florida Bank
- Program
- 7a General
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $575K (75%)
- Approved
- 11/14/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by One Florida Bank · Lender record →
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- H&H BAGELS in Eastchester, FL — $881K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $661K (75%)
- Approval → funding
- 86 days
- Approved
- 1/28/2025
- First disbursed
- 4/24/2025
- Loan status
- Current
- 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 First Bank of the Lake · Lender record →
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- Sunrise LLC in Knoxville, TN — $738K (2025) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 126 months
- SBA guaranteed
- $553K (75%)
- Approval → funding
- 21 days
- Approved
- 5/23/2025
- First disbursed
- 6/13/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 21
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
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- Sesame OpCo I LLC in Santa Monica, CA — $1.1M (2024) · ConnectOne Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 125 months
- SBA guaranteed
- $836K (75%)
- Approval → funding
- 34 days
- Approved
- 4/4/2024
- First disbursed
- 5/8/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by ConnectOne Bank · Lender record →
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Who funds H & H Bagels — and where
Every dot is a financed H & H Bagels — 4 mapped.
Financed H & H Bagels locations — list all 4 as text
- KSA Walsh LLC — Altamonte Springs · $766K · FY2026 · Limited-Service Restaurants
- Sunrise LLC — Knoxville · $738K · FY2025 · Limited-Service Restaurants
- Sesame OpCo I LLC — Santa Monica · $1.1M · FY2024 · Limited-Service Restaurants
- H&H BAGELS — Eastchester · $881K · FY2025 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.Florida (2 loans)H & H Bagels lenders in Florida->
- 2.Tennessee (1 loans)H & H Bagels lenders in Tennessee->
- 3.California (1 loans)H & H Bagels lenders in California->
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Common questions
How much does a H & H Bagels cost to buy or open?
The typical deal for H & H Bagels is $881K across 4 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $97K of buyer cash on a typical deal.
How risky is H & H Bagels?
H & H Bagels has 4 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 H & H Bagels with an SBA loan?
Yes — H & H Bagels 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 H & H Bagels franchise
Most H & H Bagels 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 H & H Bagels deal financed for $881K, which points to about $97K of buyer cash on a typical purchase. H & H Bagels is listed in the SBA Franchise Directory (identifier S7173), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund H & H Bagels — 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 H & H Bagels — 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 H & H Bagels — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. H & H Bagels is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 4 SBA 7(a) deals since 2020
- $881K typical deal
- 3 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S7173)
- Top lenders: One Florida Bank, Citizens Bank, ConnectOne Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-24.
- 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 H & H Bagels.