House of Bread, 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 S0828)
3 deals since 2020 · typical deal $315K
3
Deals since 2020
$315K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for House of Bread
Most House of Bread deals financed between $189K and $487K. Above $487K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $4,384
- Down payment (10%)
- $35K
- Cash to close (all-in)
- $47K
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 ~$47K)
Experience
Recent financings
- CBH, LLC dba House of Bread S. Anchorage in Anchorage, AK — $487K (2023) · purchase · Alaska Growth Capital BIDCO, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $365K (75%)
- Approval → funding
- 2 days
- Approved
- 10/3/2022
- First disbursed
- 10/5/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- Baked Goods Retailers
If you were the buyer here
- Est. deal size
- $541K
- Est. down payment (10%)
- $54K
- Est. cash at closing
- $72K
- Monthly payment
- $6,169
- Annual debt service
- $74K
- Cash flow needed (1.25×)
- $93K
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 Alaska Growth Capital BIDCO, Inc. · Lender record →
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- HOB Plano Corp in Plano, TX — $189K (2023) · Texas Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $142K (75%)
- Approval → funding
- 8 days
- Approved
- 6/27/2023
- First disbursed
- 7/5/2023
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Commercial Bakeries
Funded by Texas Bank · Lender record →
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- Knead More Dough, Inc. dba House of Bread in Mckinney, TX — $315K (2021) · Texas Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $284K (90%)
- Approval → funding
- 40 days
- Approved
- 4/21/2021
- First disbursed
- 5/31/2021
- Loan status
- Paid in full (5/31/2023)
- 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 Texas Bank · Lender record →
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Who funds House of Bread — and where
Every dot is a financed House of Bread — 3 mapped.
Financed House of Bread locations — list all 3 as text
- Knead More Dough, Inc. dba House of Bread — Mckinney · $315K · FY2021 · Retail Bakeries
- CBH, LLC dba House of Bread S. Anchorage — Anchorage · $487K · FY2023 · Baked Goods Retailers
- HOB Plano Corp — Plano · $189K · FY2023 · Commercial Bakeries
Top lenders for this brand
Most active states
- 1.Texas (2 loans)
- 2.Alaska (1 loans)
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Common questions
How much does a House of Bread cost to buy or open?
The typical deal for House of Bread is $315K across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $35K of buyer cash on a typical deal.
How risky is House of Bread?
House of Bread 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 House of Bread with an SBA loan?
Yes — House of Bread 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 House of Bread franchise
Most House of Bread 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 House of Bread deal financed for $315K, which points to about $35K of buyer cash on a typical purchase. House of Bread is listed in the SBA Franchise Directory (identifier S0828), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund House of Bread — 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 House of Bread — 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 House of Bread — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. House of Bread 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
- $315K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0828)
- Top lenders: Texas Bank, Alaska Growth Capital BIDCO, 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 House of Bread.