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The Great American Bagel, 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 S4602)

3 deals since 2020 · typical deal $380K

3

Deals since 2020

$380K

Typical deal

2

Deals since FY2025

—

Too few deals to score risk

The Great American Bagel has 3 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for The Great American Bagel

Most The Great American Bagel deals financed between $50K and $540K. Above $540K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$4,969
Down payment (10%)
$42K
Cash to close (all-in)
$56K

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 ~$56K)

Experience

Recent financings

  • HINSDALE BAKERY LLC in Naperville, IL — $380K (2025) · Hinsdale Bank & Trust Company, National Association
  • HINSDALE BAKERY LLC in Naperville, IL — $50K (2025) · Hinsdale Bank & Trust Company, National Association
  • ZONA FLORES CORP in Saint John, IN — $540K (2024) · Byline Bank

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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The Great American Bagel brand mark

Who funds The Great American Bagel — and where

Every dot is a financed The Great American Bagel — 3 mapped.

Financed The Great American Bagel locations — list all 3 as text

Top lenders for this brand

  1. 1.Hinsdale Bank & Trust Company, National Association(2)
  2. 2.Byline Bank(1)

Most active states

  1. 1.Illinois (2 loans)
  2. 2.Indiana (1 loans)

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Common questions

How much does a The Great American Bagel cost to buy or open?

The typical deal for The Great American Bagel is $380K across 3 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $42K of buyer cash on a typical deal.

How risky is The Great American Bagel?

The Great American Bagel 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 The Great American Bagel with an SBA loan?

Yes — The Great American Bagel 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 The Great American Bagel franchise

Most The Great American Bagel 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 The Great American Bagel deal financed for $380K, which points to about $42K of buyer cash on a typical purchase. The Great American Bagel is listed in the SBA Franchise Directory (identifier S4602), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund The Great American Bagel — 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 The Great American Bagel — 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 The Great American Bagel — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. The Great American Bagel 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
  • $380K typical deal
  • 2 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S4602)
  • Top lenders: Hinsdale Bank & Trust Company, National Association, Byline Bank

Next steps

Check SBA fitFind SBA lenders$9 lender report
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.
Canonical:
https://www.capbench.com/franchises/the-great-american-bagel
API:
https://www.capbench.com/api/public/franchises/the-great-american-bagel
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 The Great American Bagel.

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