Philly Pretzel Factory, 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 S1298)
23 deals since 2020 · typical deal $258K
23
Deals since 2020
$258K
Typical deal
10
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Philly Pretzel Factory
Most Philly Pretzel Factory deals financed between $94K and $350K. Above $350K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $3,589
- Down payment (10%)
- $29K
- Cash to close (all-in)
- $38K
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 ~$38K)
Experience
Recent financings
- Evermore Pretzels Inc in Moorestown, NJ — $366K (2026) · Truliant FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $275K (75%)
- Approval → funding
- 64 days
- Approved
- 11/17/2025
- First disbursed
- 1/20/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- Retail Bakeries
Funded by Truliant FCU · Lender record →
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- TopRock LLC in Myrtle Beach, SC — $350K (2026) · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 123 months
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 21 days
- Approved
- 1/9/2026
- First disbursed
- 1/30/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Magnifi Financial CU · Lender record →
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- LOVATO, INC. in Attleboro, MA — $350K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 14 days
- Approved
- 1/28/2026
- First disbursed
- 2/11/2026
- 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 The Huntington National Bank · Lender record →
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- MK Pretzels LLC in Philadelphia, PA — $325K (2026) · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 123 months
- SBA guaranteed
- $244K (75%)
- Approval → funding
- 28 days
- Approved
- 1/30/2026
- First disbursed
- 2/27/2026
- Loan status
- Current
- 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 Magnifi Financial CU · Lender record →
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- Beachside Pretzels LLC in Cocoa Beach, FL — $301K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $226K (75%)
- Approved
- 2/18/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- LOVATO, INC. in Attleboro, MA — $50K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 1/28/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- Beachside Pretzels LLC in Cocoa Beach, FL — $30K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $15K (50%)
- Approved
- 2/18/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- Salty Pigs LLC in Doylestown, PA — $471K (2025) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 124 months
- SBA guaranteed
- $353K (75%)
- Approval → funding
- 314 days
- Approved
- 4/10/2025
- First disbursed
- 2/18/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
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- PPF MCHALE LLC in Scranton, PA — $150K (2025) · purchase · Fidelity Deposit and Discount Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 6 days
- Approved
- 1/24/2025
- First disbursed
- 1/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $1,941
- Annual debt service
- $23K
- Cash flow needed (1.25×)
- $29K
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 Fidelity Deposit and Discount Bank · Lender record →
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- Cruz Family Pretzels Inc. in Glenside, PA — $25K (2025) · TD Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 58 days
- Approved
- 4/4/2025
- First disbursed
- 6/1/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by TD Bank, National Association · Lender record →
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Who funds Philly Pretzel Factory — and where
Every dot is a financed Philly Pretzel Factory — 23 mapped.
Financed Philly Pretzel Factory locations — list all 23 as text
- Pretzel Plug LLC — Middletown · $258K · FY2024 · Limited-Service Restaurants
- Evermore Pretzels Inc — Moorestown · $366K · FY2026 · Retail Bakeries
- TopRock LLC — Myrtle Beach · $350K · FY2026 · Snack and Nonalcoholic Beverage Bars
- LOVATO, INC. — Attleboro · $350K · FY2026 · Limited-Service Restaurants
- LOVATO, INC. — Attleboro · $50K · FY2026 · Limited-Service Restaurants
- MK Pretzels LLC — Philadelphia · $325K · FY2026 · Limited-Service Restaurants
- Beachside Pretzels LLC — Cocoa Beach · $30K · FY2026 · Limited-Service Restaurants
- Beachside Pretzels LLC — Cocoa Beach · $301K · FY2026 · Limited-Service Restaurants
- Cruz Family Pretzels Inc. — Glenside · $25K · FY2025 · Snack and Nonalcoholic Beverage Bars
- Salty Pigs LLC — Doylestown · $471K · FY2025 · Limited-Service Restaurants
- Villa Baked Goods Corp. — Forest Hills · $150K · FY2020 · Snack and Nonalcoholic Beverage Bars
- Piedmont Pretzel Corporation — Charlotte · $190K · FY2020 · Limited-Service Restaurants
- Just Jewels LLC dba Philly Pretzel Factory — Philadelphia · $556K · FY2020 · Snack and Nonalcoholic Beverage Bars
- JWJB LLC — Allentown · $406K · FY2024 · Baked Goods Retailers
- JWJB LLC — Allentown · $94K · FY2024 · Baked Goods Retailers
- Greensburg Pretzel People LLC — Rochester · $45K · FY2023 · Limited-Service Restaurants
- PPF MCHALE LLC — Scranton · $150K · FY2025 · Snack and Nonalcoholic Beverage Bars
- Philly Pretzel Factory - Whitehall/IronPigs — Whitehall · $268K · FY2023 · Baked Goods Retailers
- R2K PRETZEL DELIGHTS LLC — Howell · $50K · FY2020 · Limited-Service Restaurants
- Pretzel Baron, LLC — Manheim · $300K · FY2020 · Snack and Nonalcoholic Beverage Bars
- Patriot Vodka LLC — Morristown · $130K · FY2022 · Baked Goods Stores
- 3rd Street Pretzels LLC — Philadelphia · $820K · FY2022 · Limited-Service Restaurants
- A&T DeSalis Pretzel, LLC — Easton · $242K · FY2021 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.Pennsylvania (12 loans)
- 2.New Jersey (3 loans)
- 3.Massachusetts (2 loans)
- 4.Florida (2 loans)
- 5.Delaware (1 loans)
- 6.South Carolina (1 loans)
- 7.New York (1 loans)
- 8.North Carolina (1 loans)
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Common questions
How much does a Philly Pretzel Factory cost to buy or open?
The typical deal for Philly Pretzel Factory is $258K across 23 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $28K of buyer cash on a typical deal.
How risky is Philly Pretzel Factory?
Philly Pretzel Factory has 23 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 Philly Pretzel Factory with an SBA loan?
Yes — Philly Pretzel Factory has been SBA-financed 10 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Philly Pretzel Factory franchise
Most Philly Pretzel Factory 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 Philly Pretzel Factory deal financed for $258K, which points to about $28K of buyer cash on a typical purchase. Philly Pretzel Factory is listed in the SBA Franchise Directory (identifier S1298), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Philly Pretzel Factory — 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 Philly Pretzel Factory — 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 Philly Pretzel Factory — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Philly Pretzel Factory is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 23 SBA 7(a) deals since 2020
- $258K typical deal
- 10 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S1298)
- Top lenders: The Huntington National Bank, Magnifi Financial CU, TD 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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Claim this brand page to keep the numbers in context, add your story, and hear about qualified buyers early.
CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Philly Pretzel Factory.