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Whit's Frozen Custard, 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 S1919)

16 deals since 2020 · typical deal $266K

16

Deals since 2020

$266K

Typical deal

5

Deals since FY2025

—

Too few deals to score risk

Whit's Frozen Custard has 16 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 Whit's Frozen Custard

Most Whit's Frozen Custard deals financed between $100K and $327K. Above $327K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$3,702
Down payment (10%)
$30K
Cash to close (all-in)
$40K

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 ~$40K)

Experience

Recent financings

  • Whit's Dublin LLC in Plain City, OH — $350K (2026) · The State Bank and Trust Company
  • CUSTARD UNITED FC, LLC in White House, TN — $327K (2026) · The Huntington National Bank
  • Whit's Frozen Custard in Asheville, NC — $567K (2025) · Harvest Small Business Finance, LLC
  • Shelley Snack & Beverage, LLC in Woodstock, GA — $423K (2025) · LGE Community CU
  • R & R Partners, LLC in Circleville, OH — $300K (2025) · The Farmers National Bank of Canfield
  • Leave Your Legacy, LLC in West Jefferson, OH — $272K (2024) · The Fahey Banking Company
  • Scoops Enterprises LLC in Asheville, NC — $266K (2024) · The Huntington National Bank
  • Scoops Enterprises LLC in Asheville, NC — $25K (2024) · The Huntington National Bank
  • JONES CONCESSIONS, INC. in Lancaster, OH — $249K (2023) · The Huntington National Bank
  • JONES CONCESSIONS, INC. in Lancaster, OH — $25K (2023) · The Huntington National Bank

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

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Whit's Frozen Custard brand mark

Who funds Whit's Frozen Custard — and where

Every dot is a financed Whit's Frozen Custard — 16 mapped.

Financed Whit's Frozen Custard locations — list all 16 as text

Top lenders for this brand

  1. 1.The Huntington National Bank(9)
  2. 2.The State Bank and Trust Company(1)
  3. 3.Harvest Small Business Finance, LLC(1)
  4. 4.Queensborough National Bank and Trust Company (1)
  5. 5.The Fahey Banking Company (1)

Most active states

  1. 1.Ohio (5 loans)
  2. 2.Tennessee (3 loans)
  3. 3.North Carolina (3 loans)
  4. 4.Florida (3 loans)
  5. 5.Georgia (2 loans)

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Common questions

How much does a Whit's Frozen Custard cost to buy or open?

The typical deal for Whit's Frozen Custard is $266K across 16 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $29K of buyer cash on a typical deal.

How risky is Whit's Frozen Custard?

Whit's Frozen Custard has 16 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 Whit's Frozen Custard with an SBA loan?

Yes — Whit's Frozen Custard has been SBA-financed 5 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Whit's Frozen Custard franchise

Most Whit's Frozen Custard 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 Whit's Frozen Custard deal financed for $266K, which points to about $29K of buyer cash on a typical purchase. Whit's Frozen Custard is listed in the SBA Franchise Directory (identifier S1919), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Whit's Frozen Custard — 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 Whit's Frozen Custard — 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 Whit's Frozen Custard — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Whit's Frozen Custard is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 16 SBA 7(a) deals since 2020
  • $266K typical deal
  • 5 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S1919)
  • Top lenders: The Huntington National Bank, The State Bank and Trust Company, Harvest Small Business Finance, LLC

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/whit-s-frozen-custard
API:
https://www.capbench.com/api/public/franchises/whit-s-frozen-custard
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 Whit's Frozen Custard.

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