West Coast Sourdough Deli, 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 S7094)
10 deals since 2020 · typical deal $362K
10
Deals since 2020
$362K
Typical deal
4
Deals since FY2025
—
Too few deals to score risk
What buyers pay for West Coast Sourdough Deli
Most West Coast Sourdough Deli deals financed between $280K and $474K. Above $474K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $4,734
- Down payment (10%)
- $40K
- Cash to close (all-in)
- $54K
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 ~$54K)
Experience
Recent financings
- BRARS WC INC in Bakersfield, CA — $379K (2026) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $284K (75%)
- Approval → funding
- 26 days
- Approved
- 11/19/2025
- First disbursed
- 12/15/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by Celtic Bank Corporation · Lender record →
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- WCS SMF LLC in Sacramento, CA — $1.4M (2025) · Hanover Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 126 months
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 93 days
- Approved
- 2/26/2025
- First disbursed
- 5/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 44
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Hanover Community Bank · Lender record →
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- WCS SMF LLC in Sacramento, CA — $1.1M (2025) · Hanover Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 126 months
- SBA guaranteed
- $846K (75%)
- Approval → funding
- 93 days
- Approved
- 2/26/2025
- First disbursed
- 5/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 44
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Hanover Community Bank · Lender record →
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- West Coast Sourdough in Irvine, CA — $307K (2025) · Southwestern National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $230K (75%)
- Approved
- 4/1/2025
- 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 Southwestern National Bank · Lender record →
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- WEST COAST SOURDOUGH in Elk Grove, CA — $474K (2024) · purchase · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $356K (75%)
- Approval → funding
- 16 days
- Approved
- 10/30/2023
- First disbursed
- 11/15/2023
- 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
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $527K
- Est. down payment (10%)
- $53K
- Est. cash at closing
- $70K
- Monthly payment
- $6,597
- Annual debt service
- $79K
- Cash flow needed (1.25×)
- $99K
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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- SDGBWC Inc in Granite Bay, CA — $362K (2024) · purchase · Celtic Bank Corporation
- Program
- 7a General
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $272K (75%)
- Approved
- 8/7/2024
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $402K
- Est. down payment (10%)
- $40K
- Est. cash at closing
- $54K
- Monthly payment
- $5,038
- Annual debt service
- $60K
- Cash flow needed (1.25×)
- $76K
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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- WEST COAST SOURDOUGH in Elk Grove, CA — $269K (2024) · purchase · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $202K (75%)
- Approval → funding
- 16 days
- Approved
- 10/30/2023
- First disbursed
- 11/15/2023
- Loan status
- Current
- 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
- $299K
- Est. down payment (10%)
- $30K
- Est. cash at closing
- $40K
- Monthly payment
- $3,744
- Annual debt service
- $45K
- Cash flow needed (1.25×)
- $56K
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 →
Your business? Claim this record · Request removal
- Blue Oaks Sourdough in Roseville, CA — $280K (2023) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 124 months
- SBA guaranteed
- $210K (75%)
- Approval → funding
- 33 days
- Approved
- 1/4/2023
- First disbursed
- 2/6/2023
- Loan status
- Current
- 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 Newtek Small Business Finance, Inc.
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- Sambhi Sons in Sacramento, CA — $263K (2023) · U.S. Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.87% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $197K (75%)
- Approval → funding
- 9 days
- Approved
- 9/27/2023
- First disbursed
- 10/6/2023
- Loan status
- In liquidation
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by U.S. Bank, National Association · Lender record →
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- West Coast Sourdough in Roseville, CA — $280K (2022) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 124 months
- SBA guaranteed
- $210K (75%)
- Approved
- 8/8/2022
- Loan status
- Cancelled
- 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 Newtek Small Business Finance, Inc.
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Who funds West Coast Sourdough Deli — and where
Every dot is a financed West Coast Sourdough Deli — 10 mapped.
Financed West Coast Sourdough Deli locations — list all 10 as text
- Blue Oaks Sourdough — Roseville · $280K · FY2023 · Limited-Service Restaurants
- SDGBWC Inc — Granite Bay · $362K · FY2024 · Limited-Service Restaurants
- BRARS WC INC — Bakersfield · $379K · FY2026 · Limited-Service Restaurants
- West Coast Sourdough — Irvine · $307K · FY2025 · Limited-Service Restaurants
- West Coast Sourdough — Roseville · $280K · FY2022 · Limited-Service Restaurants
- Sambhi Sons — Sacramento · $263K · FY2023 · Limited-Service Restaurants
- WEST COAST SOURDOUGH — Elk Grove · $474K · FY2024 · Limited-Service Restaurants
- WEST COAST SOURDOUGH — Elk Grove · $269K · FY2024 · Limited-Service Restaurants
- WCS SMF LLC — Sacramento · $1.1M · FY2025 · Limited-Service Restaurants
- WCS SMF LLC — Sacramento · $1.4M · FY2025 · Limited-Service Restaurants
Top lenders for this brand
1.Celtic Bank Corporation(4)
- 2.Newtek Small Business Finance, Inc. (2)
3.Hanover Community Bank(2)
4.Southwestern National Bank(1)
5.U.S. Bank, National Association(1)
Most active states
- 1.California (10 loans)
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Common questions
How much does a West Coast Sourdough Deli cost to buy or open?
The typical deal for West Coast Sourdough Deli is $362K across 10 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $40K of buyer cash on a typical deal.
How risky is West Coast Sourdough Deli?
West Coast Sourdough Deli has 10 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 West Coast Sourdough Deli with an SBA loan?
Yes — West Coast Sourdough Deli has been SBA-financed 4 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a West Coast Sourdough Deli franchise
Most West Coast Sourdough Deli 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 West Coast Sourdough Deli deal financed for $362K, which points to about $40K of buyer cash on a typical purchase. West Coast Sourdough Deli is listed in the SBA Franchise Directory (identifier S7094), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund West Coast Sourdough Deli — 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 West Coast Sourdough Deli — 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 West Coast Sourdough Deli — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. West Coast Sourdough Deli is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 10 SBA 7(a) deals since 2020
- $362K typical deal
- 4 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S7094)
- Top lenders: Celtic Bank Corporation, Newtek Small Business Finance, Inc., Hanover Community 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 West Coast Sourdough Deli.