KolacheFactory, 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 S0956)
9 deals since 2020 · typical deal $400K
9
Deals since 2020
$400K
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
What buyers pay for KolacheFactory
Most KolacheFactory deals financed between $315K and $598K. Above $598K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $5,231
- Down payment (10%)
- $44K
- Cash to close (all-in)
- $59K
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 ~$59K)
Experience
Recent financings
- Kodako Inc in Plano, TX — $276K (2025) · Global One Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $207K (75%)
- Approval → funding
- 14 days
- Approved
- 9/17/2025
- First disbursed
- 10/1/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Global One Bank · Lender record →
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- Tandem Synergy LLC in Pearland, TX — $808K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $606K (75%)
- Approval → funding
- 20 days
- Approved
- 5/13/2022
- First disbursed
- 6/2/2022
- Loan status
- Paid in full (12/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- B&R Bakery, LLC in Missouri City, TX — $400K (2022) · Lone Star Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.875% variable
- Term
- 126 months
- SBA guaranteed
- $300K (75%)
- Approval → funding
- 78 days
- Approved
- 3/15/2022
- First disbursed
- 6/1/2022
- Loan status
- Paid in full (6/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Lone Star Bank
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- Richkoko Inc in Richardson, TX — $315K (2022) · purchase · Bank of Hope
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $236K (75%)
- Approval → funding
- 10 days
- Approved
- 4/8/2022
- First disbursed
- 4/18/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Baked Goods Retailers
If you were the buyer here
- Est. deal size
- $350K
- Est. down payment (10%)
- $35K
- Est. cash at closing
- $47K
- Monthly payment
- $3,419
- Annual debt service
- $41K
- Cash flow needed (1.25×)
- $51K
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 Bank of Hope · Lender record →
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- Komuko Inc in Murphy, TX — $171K (2022) · purchase · Bank of Hope
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (75%)
- Approval → funding
- 10 days
- Approved
- 4/8/2022
- First disbursed
- 4/18/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Change of Ownership
- Industry
- Baked Goods Retailers
If you were the buyer here
- Est. deal size
- $190K
- Est. down payment (10%)
- $19K
- Est. cash at closing
- $25K
- Monthly payment
- $1,856
- Annual debt service
- $22K
- Cash flow needed (1.25×)
- $28K
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 Bank of Hope · Lender record →
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- RAJRAJESHWARI-ADAAA FOODS, LLC in Pasadena, TX — $650K (2021) · PromiseOne Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $585K (90%)
- Approval → funding
- 7 days
- Approved
- 4/16/2021
- First disbursed
- 4/23/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by PromiseOne Bank · Lender record →
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- T K Foods Inc. in Huntington Beach, CA — $598K (2021) · California Business Bank
- Program
- 7a General
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $448K (75%)
- Approval → funding
- 654 days
- Approved
- 12/15/2020
- First disbursed
- 9/30/2022
- Loan status
- Paid in full (6/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Stores
Funded by California Business Bank
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- LAN Haywood, Inc. in Carmel, IN — $542K (2020) · Simmons Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $407K (75%)
- Approval → funding
- 73 days
- Approved
- 11/19/2019
- First disbursed
- 1/31/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Simmons Bank · Lender record →
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- BeePal Bakery LLC in Missouri City, TX — $340K (2020) · JPMorgan Chase Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $255K (75%)
- Approval → funding
- 2 days
- Approved
- 10/29/2019
- First disbursed
- 10/31/2019
- Loan status
- Paid in full (12/31/2025)
- 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 JPMorgan Chase Bank, National Association · Lender record →
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Who funds KolacheFactory — and where
Every dot is a financed KolacheFactory — 9 mapped.
Financed KolacheFactory locations — list all 9 as text
- T K Foods Inc. — Huntington Beach · $598K · FY2021 · All Other Specialty Food Stores
- RAJRAJESHWARI-ADAAA FOODS, LLC — Pasadena · $650K · FY2021 · Limited-Service Restaurants
- Kodako Inc — Plano · $276K · FY2025 · Limited-Service Restaurants
- Tandem Synergy LLC — Pearland · $808K · FY2022 · Limited-Service Restaurants
- BeePal Bakery LLC — Missouri City · $340K · FY2020 · Limited-Service Restaurants
- LAN Haywood, Inc. — Carmel · $542K · FY2020 · Limited-Service Restaurants
- B&R Bakery, LLC — Missouri City · $400K · FY2022 · Limited-Service Restaurants
- Komuko Inc — Murphy · $171K · FY2022 · Baked Goods Retailers
- Richkoko Inc — Richardson · $315K · FY2022 · Baked Goods Retailers
Top lenders for this brand
1.Bank of Hope(2)
- 2.California Business Bank (1)
3.PromiseOne Bank(1)
4.Global One Bank(1)
5.The Huntington National Bank(1)
Most active states
- 1.Texas (7 loans)
- 2.California (1 loans)
- 3.Indiana (1 loans)
Represent KolacheFactory?
Claim this brand page free to keep the numbers in context, add your story, and hear about qualified buyers early.
Common questions
How much does a KolacheFactory cost to buy or open?
The typical deal for KolacheFactory is $400K across 9 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $44K of buyer cash on a typical deal.
How risky is KolacheFactory?
KolacheFactory has 9 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 KolacheFactory with an SBA loan?
Yes — KolacheFactory has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a KolacheFactory franchise
Most KolacheFactory 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 KolacheFactory deal financed for $400K, which points to about $44K of buyer cash on a typical purchase. KolacheFactory is listed in the SBA Franchise Directory (identifier S0956), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund KolacheFactory — 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 KolacheFactory — 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 KolacheFactory — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. KolacheFactory is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 9 SBA 7(a) deals since 2020
- $400K typical deal
- 1 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0956)
- Top lenders: Bank of Hope, California Business Bank, PromiseOne Bank
- 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 KolacheFactory.