Smallcakes Cupcakery, 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 S2490)
19 deals since 2020 · typical deal $150K
19
Deals since 2020
$150K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Smallcakes Cupcakery
Most Smallcakes Cupcakery deals financed between $105K and $215K. Above $215K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $2,218
- Down payment (10%)
- $17K
- Cash to close (all-in)
- $21K
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 ~$21K)
Experience
Recent financings
- Cup Cakes Indy LLC in Greenwood, IN — $379K (2024) · BMO Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.91% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $284K (75%)
- Approval → funding
- 49 days
- Approved
- 3/12/2024
- First disbursed
- 4/30/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- New Business or 2 years or less
- Industry
- Baked Goods Retailers
Funded by BMO Bank National Association · Lender record →
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- Practically Perfect Confections LLC in Smithfield, VA — $150K (2024) · CDC Small Business Finance Corp.
- Program
- Preferred Lenders Program
- Rate at approval
- 13.25% variable
- Term
- 72 mo (6 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 29 days
- Approved
- 4/4/2024
- First disbursed
- 5/3/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Baked Goods Retailers
Funded by CDC Small Business Finance Corp. · Lender record →
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- Smallcakes Cupcakery Athens, LLC in Bogart, GA — $140K (2024) · CDC Small Business Finance Corp.
- Program
- Preferred Lenders Program
- Rate at approval
- 13.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $119K (85%)
- Approval → funding
- 13 days
- Approved
- 4/17/2024
- First disbursed
- 4/30/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Baked Goods Retailers
Funded by CDC Small Business Finance Corp. · Lender record →
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- Smallcakes West Cobb, LLC in Marietta, GA — $215K (2023) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.55% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $161K (75%)
- Approval → funding
- 8 days
- Approved
- 4/25/2023
- First disbursed
- 5/3/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Wells Fargo Bank National Association · Lender record →
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- IRP Holdings II, LLC in Smithtown, NY — $200K (2023) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 126 months
- SBA guaranteed
- $150K (75%)
- Approved
- 3/15/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Newtek Small Business Finance, Inc.
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- Small Cakes Cupcakery of Commack in Commack, NY — $192K (2023) · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11.5% variable
- Term
- 124 months
- SBA guaranteed
- $144K (75%)
- Approval → funding
- 26 days
- Approved
- 8/11/2023
- First disbursed
- 9/6/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Newtek Bank, National Association · Lender record →
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- Smallcakes Cupcakery of Commack in Commack, NY — $150K (2023) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 124 months
- SBA guaranteed
- $128K (85%)
- Approved
- 3/12/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Newtek Small Business Finance, Inc.
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- Indigo Violet Ventures LLC in Hot Springs, AR — $144K (2023) · Arvest Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $72K (50%)
- Approval → funding
- 2 days
- Approved
- 6/28/2023
- First disbursed
- 6/30/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Arvest Bank · Lender record →
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- Smallcakes Smyrna LLC in Smyrna, GA — $85K (2023) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.55% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $63K (75%)
- Approval → funding
- 14 days
- Approved
- 4/25/2023
- First disbursed
- 5/9/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Indigo Violet Ventures LLC in Hot Springs National Park, AR — $40K (2023) · Arvest Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9% variable
- Term
- 96 mo (8 yrs)
- SBA guaranteed
- $20K (50%)
- Approval → funding
- 2 days
- Approved
- 6/28/2023
- First disbursed
- 6/30/2023
- Loan status
- Paid in full (1/31/2026)
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Arvest Bank · Lender record →
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Serious about buying a Smallcakes Cupcakery?
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Who funds Smallcakes Cupcakery — and where
Every dot is a financed Smallcakes Cupcakery — 19 mapped.
Financed Smallcakes Cupcakery locations — list all 19 as text
- MJK Family Corp — Schererville · $50K · FY2021 · Retail Bakeries
- MJK Family Corp — Hammond · $947K · FY2021 · Retail Bakeries
- Smallcakes Cupcakery of Commack — Commack · $150K · FY2023 · Snack and Nonalcoholic Beverage Bars
- IRP Holdings II, LLC — Smithtown · $200K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Mercer Family — Topeka · $148K · FY2020 · Snack and Nonalcoholic Beverage Bars
- Cup Cakes Indy LLC — Greenwood · $379K · FY2024 · Baked Goods Retailers
- Practically Perfect Confections LLC — Smithfield · $150K · FY2024 · Baked Goods Retailers
- Smallcakes Cupcakery Athens, LLC — Bogart · $140K · FY2024 · Baked Goods Retailers
- Smallcakes West Cobb, LLC — Marietta · $215K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Smallcakes Smyrna LLC — Smyrna · $85K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Indigo Violet Ventures LLC — Hot Springs · $144K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Indigo Violet Ventures LLC — Hot Springs National Park · $40K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Small Cakes Cupcakery of Commack — Commack · $192K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Smallcakes Cupcakery LLC — Gonzales · $105K · FY2020 · Retail Bakeries
- Brothers Retail Group Inc — Schererville · $250K · FY2020 · Retail Bakeries
- JNJII Enterprizes L.L.C. — Albuquerque · $430K · FY2022 · Limited-Service Restaurants
- Watson Family Sweets LLC — Thomasville · $127K · FY2022 · Retail Bakeries
- B.E.T. INVESTMENT GROUP, LCC — Joliet · $100K · FY2021 · Retail Bakeries
- Smallcakes Madison, LLC — Madison · $180K · FY2021 · Retail Bakeries
Top lenders for this brand
1.The Huntington National Bank(2)
- 2.Newtek Small Business Finance, Inc. (2)
3.CDC Small Business Finance Corp.(2)
4.Wells Fargo Bank National Association(2)
5.Arvest Bank(2)
Most active states
- 1.Indiana (4 loans)
- 2.Georgia (4 loans)
- 3.New York (3 loans)
- 4.Arkansas (2 loans)
- 5.Kansas (1 loans)
- 6.Virginia (1 loans)
- 7.Louisiana (1 loans)
- 8.New Mexico (1 loans)
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Common questions
How much does a Smallcakes Cupcakery cost to buy or open?
The typical deal for Smallcakes Cupcakery is $150K across 19 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $17K of buyer cash on a typical deal.
How risky is Smallcakes Cupcakery?
Smallcakes Cupcakery has 19 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 Smallcakes Cupcakery with an SBA loan?
Yes — Smallcakes Cupcakery 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 Smallcakes Cupcakery franchise
Most Smallcakes Cupcakery 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 Smallcakes Cupcakery deal financed for $150K, which points to about $17K of buyer cash on a typical purchase. Smallcakes Cupcakery is listed in the SBA Franchise Directory (identifier S2490), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Smallcakes Cupcakery — 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 Smallcakes Cupcakery — 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 Smallcakes Cupcakery — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Smallcakes Cupcakery is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 19 SBA 7(a) deals since 2020
- $150K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S2490)
- Top lenders: The Huntington National Bank, Newtek Small Business Finance, Inc., CDC Small Business Finance Corp.
- 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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Represent Smallcakes Cupcakery?
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 Smallcakes Cupcakery.