Rocky Mountain Chocolate 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 S1442)
15 deals since 2020 · typical deal $396K
15
Deals since 2020
$396K
Typical deal
2
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Rocky Mountain Chocolate Factory
Most Rocky Mountain Chocolate Factory deals financed between $25K and $580K. Above $580K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $5,182
- 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
- Canaday Cocoa LLC in Salt Lake City, UT — $836K (2026) · purchase · U.S. Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.7% variable
- Term
- 45 months
- SBA guaranteed
- $627K (75%)
- Approval → funding
- 35 days
- Approved
- 11/28/2025
- First disbursed
- 1/2/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Confectionery and Nut Retailers
If you were the buyer here
- Est. deal size
- $928K
- Est. down payment (10%)
- $93K
- Est. cash at closing
- $127K
- Monthly payment
- $21,438
- Annual debt service
- $257K
- Cash flow needed (1.25×)
- $322K
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 U.S. Bank, National Association · Lender record →
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- Folsom Town Sweets LLC in Folsom, CA — $580K (2026) · purchase · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 125 months
- SBA guaranteed
- $435K (75%)
- Approved
- 1/29/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Confectionery and Nut Retailers
If you were the buyer here
- Est. deal size
- $644K
- Est. down payment (10%)
- $64K
- Est. cash at closing
- $86K
- Monthly payment
- $7,246
- Annual debt service
- $87K
- Cash flow needed (1.25×)
- $109K
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 Celtic Bank Corporation · Lender record →
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- Old Town Sweets LLC in Sacramento, CA — $396K (2024) · purchase · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $297K (75%)
- Approval → funding
- 9 days
- Approved
- 5/14/2024
- First disbursed
- 5/23/2024
- Loan status
- Paid in full (1/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $440K
- Est. down payment (10%)
- $44K
- Est. cash at closing
- $59K
- Monthly payment
- $5,403
- Annual debt service
- $65K
- Cash flow needed (1.25×)
- $81K
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 Celtic Bank Corporation · Lender record →
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- Zrinyi And Ingstad Investments, Inc in Reno, NV — $150K (2024) · Colony Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 2 days
- Approved
- 4/22/2024
- First disbursed
- 4/24/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Confectionery and Nut Retailers
Funded by Colony Bank · Lender record →
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- Rocky Mountain Chocolate Factory in Saint Paul, MN — $825K (2023) · purchase · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $619K (75%)
- Approval → funding
- 26 days
- Approved
- 8/5/2023
- First disbursed
- 8/31/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Confectionery and Nut Retailers
If you were the buyer here
- Est. deal size
- $917K
- Est. down payment (10%)
- $92K
- Est. cash at closing
- $126K
- Monthly payment
- $11,599
- Annual debt service
- $139K
- Cash flow needed (1.25×)
- $174K
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 Newtek Bank, National Association · Lender record →
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- Clarey Enterprises LLC in Happy Valley, OR — $697K (2023) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 124 months
- SBA guaranteed
- $523K (75%)
- Approval → funding
- 6 days
- Approved
- 1/4/2023
- First disbursed
- 1/10/2023
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Citizens Bank · Lender record →
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- Westlake Rocky LLC in Westlake, OH — $575K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $431K (75%)
- Approval → funding
- 2 days
- Approved
- 1/25/2023
- First disbursed
- 1/27/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
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- Westlake Rocky LLC in Westlake, OH — $25K (2023) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 1/25/2023
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
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- Northwestern Michigan Candy-RMCF LLC in Troy, MI — $522K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $391K (75%)
- Approved
- 8/29/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Northwestern Michigan Candy-RMCF LLC in Troy, MI — $522K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $391K (75%)
- Approval → funding
- 10 days
- Approved
- 8/29/2022
- First disbursed
- 9/8/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
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Who funds Rocky Mountain Chocolate Factory — and where
Every dot is a financed Rocky Mountain Chocolate Factory — 14 mapped.
Financed Rocky Mountain Chocolate Factory locations — list all 14 as text
- Clarey Enterprises LLC — Happy Valley · $697K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Westlake Rocky LLC — Westlake · $575K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Westlake Rocky LLC — Westlake · $25K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Old Town Sweets LLC — Sacramento · $396K · FY2024 · Limited-Service Restaurants
- Folsom Town Sweets LLC — Folsom · $580K · FY2026 · Confectionery and Nut Retailers
- DAM VENTURES VALLEY JUNCTION, LLC — West Des Moines · $343K · FY2022 · Confectionery and Nut Retailers
- Northwestern Michigan Candy-RMCF LLC — Troy · $522K · FY2022 · Snack and Nonalcoholic Beverage Bars
- Northwestern Michigan Candy-RMCF LLC — Troy · $25K · FY2022 · Snack and Nonalcoholic Beverage Bars
- Northwestern Michigan Candy-RMCF LLC — Troy · $25K · FY2022 · Snack and Nonalcoholic Beverage Bars
- Northwestern Michigan Candy-RMCF LLC — Troy · $522K · FY2022 · Snack and Nonalcoholic Beverage Bars
- Northwestern Michigan Candy-RMCF LLC — Troy · $25K · FY2022 · Snack and Nonalcoholic Beverage Bars
- Zrinyi And Ingstad Investments, Inc — Reno · $150K · FY2024 · Confectionery and Nut Retailers
- Rocky Mountain Chocolate Factory — Saint Paul · $825K · FY2023 · Confectionery and Nut Retailers
- ZAMFAM ENTERPRISES, INC. — Lutz · $320K · FY2021 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.Michigan (5 loans)
- 2.Ohio (2 loans)
- 3.California (2 loans)
- 4.Oregon (1 loans)
- 5.Utah (1 loans)
- 6.Iowa (1 loans)
- 7.Nevada (1 loans)
- 8.Minnesota (1 loans)
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Common questions
How much does a Rocky Mountain Chocolate Factory cost to buy or open?
The typical deal for Rocky Mountain Chocolate Factory is $396K across 15 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 Rocky Mountain Chocolate Factory?
Rocky Mountain Chocolate Factory has 15 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 Rocky Mountain Chocolate Factory with an SBA loan?
Yes — Rocky Mountain Chocolate Factory has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Rocky Mountain Chocolate Factory franchise
Most Rocky Mountain Chocolate 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 Rocky Mountain Chocolate Factory deal financed for $396K, which points to about $44K of buyer cash on a typical purchase. Rocky Mountain Chocolate Factory is listed in the SBA Franchise Directory (identifier S1442), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Rocky Mountain Chocolate 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 Rocky Mountain Chocolate 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 Rocky Mountain Chocolate Factory — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Rocky Mountain Chocolate Factory is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 15 SBA 7(a) deals since 2020
- $396K typical deal
- 2 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S1442)
- Top lenders: The Huntington National Bank, Celtic Bank Corporation, U.S. 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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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Rocky Mountain Chocolate Factory.