World of Sourdough, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
11 deals since 2020 · typical deal $305K
11
Deals since 2020
$305K
Typical deal
4
Deals since FY2025
—
Too few deals to score risk
What buyers pay for World of Sourdough
Most World of Sourdough deals financed between $258K and $405K. Above $405K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $4,245
- Down payment (10%)
- $34K
- Cash to close (all-in)
- $45K
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 ~$45K)
Experience
Recent financings
- Karj Sourdough Upland LLC in Upland, CA — $441K (2025) · VelocitySBA, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 123 months
- SBA guaranteed
- $331K (75%)
- Approval → funding
- 22 days
- Approved
- 2/27/2025
- First disbursed
- 3/21/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by VelocitySBA, LLC · Lender record →
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- Karj Sourdough RC LLC in Rancho Cucamonga, CA — $417K (2025) · VelocitySBA, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 123 months
- SBA guaranteed
- $313K (75%)
- Approval → funding
- 21 days
- Approved
- 2/28/2025
- First disbursed
- 3/21/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by VelocitySBA, LLC · Lender record →
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- JJJ Judge Sourdough II, LLC in Henderson, NV — $405K (2025) · VelocitySBA, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 124 months
- SBA guaranteed
- $304K (75%)
- Approval → funding
- 34 days
- Approved
- 12/4/2024
- First disbursed
- 1/7/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by VelocitySBA, LLC · Lender record →
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- Sourdough & Co in San Marcos, CA — $150K (2025) · AMPAC Tri-State CDC, Inc.
- Program
- 7a General
- Rate at approval
- 12.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 24 days
- Approved
- 4/15/2025
- First disbursed
- 5/9/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Full-Service Restaurants
Funded by AMPAC Tri-State CDC, Inc. · Lender record →
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- J&RSQUARED CORPORATION in Concord, CA — $305K (2024) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 123 months
- SBA guaranteed
- $229K (75%)
- Approval → funding
- 84 days
- Approved
- 6/28/2024
- First disbursed
- 9/20/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Byline Bank · Lender record →
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- JAGSUN LLC in Huntington Beach, CA — $300K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 91 days
- Approved
- 3/15/2024
- First disbursed
- 6/14/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- D&X HOLDINGS LLC in Roseville, CA — $280K (2024) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 123 months
- SBA guaranteed
- $210K (75%)
- Approval → funding
- 16 days
- Approved
- 6/5/2024
- First disbursed
- 6/21/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 22
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Byline Bank · Lender record →
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- Sourdough & Co in Sunnyvale, CA — $258K (2024) · purchase · Open Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $194K (75%)
- Approval → funding
- 7 days
- Approved
- 6/21/2024
- First disbursed
- 6/28/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $287K
- Est. down payment (10%)
- $29K
- Est. cash at closing
- $38K
- Monthly payment
- $4,350
- Annual debt service
- $52K
- Cash flow needed (1.25×)
- $65K
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 Open Bank · Lender record →
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- JAGSUN LLC in Huntington Beach, CA — $25K (2024) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 456 days
- Approved
- 3/11/2024
- First disbursed
- 6/10/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- DMS CAPITAL GROUP SF CO. in Pacifica, CA — $351K (2023) · purchase · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 19 days
- Approved
- 7/19/2023
- First disbursed
- 8/7/2023
- 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
- $390K
- Est. down payment (10%)
- $39K
- Est. cash at closing
- $52K
- Monthly payment
- $4,835
- Annual debt service
- $58K
- Cash flow needed (1.25×)
- $73K
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 Byline Bank · Lender record →
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Who funds World of Sourdough — and where
Every dot is a financed World of Sourdough — 11 mapped.
Financed World of Sourdough locations — list all 11 as text
- D&X HOLDINGS LLC — Roseville · $280K · FY2024 · Limited-Service Restaurants
- Sourdough & Co — Sunnyvale · $258K · FY2024 · Limited-Service Restaurants
- J&RSQUARED CORPORATION — Concord · $305K · FY2024 · Limited-Service Restaurants
- Sourdough & Co — San Marcos · $150K · FY2025 · Full-Service Restaurants
- JAGSUN LLC — Huntington Beach · $25K · FY2024 · Limited-Service Restaurants
- JAGSUN LLC — Huntington Beach · $300K · FY2024 · Limited-Service Restaurants
- JJJ Judge Sourdough II, LLC — Henderson · $405K · FY2025 · Limited-Service Restaurants
- Karj Sourdough Upland LLC — Upland · $441K · FY2025 · Limited-Service Restaurants
- Karj Sourdough RC LLC — Rancho Cucamonga · $417K · FY2025 · Limited-Service Restaurants
- DMS CAPITAL GROUP SF CO. — Pacifica · $351K · FY2023 · Limited-Service Restaurants
- Valley Investment Solutions Inc dba Sourdough & Co — Ceres · $346K · FY2023 · Limited-Service Restaurants
Top lenders for this brand
Most active states
- 1.California (10 loans)
- 2.Nevada (1 loans)
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Common questions
How much does a World of Sourdough cost to buy or open?
The typical deal for World of Sourdough is $305K across 11 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $34K of buyer cash on a typical deal.
How risky is World of Sourdough?
World of Sourdough has 11 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 World of Sourdough with an SBA loan?
Yes — World of Sourdough 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 World of Sourdough franchise
Most World of Sourdough 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 World of Sourdough deal financed for $305K, which points to about $34K of buyer cash on a typical purchase. Confirm World of Sourdough's current SBA Franchise Directory listing with your lender before the LOI. See the lenders that already fund World of Sourdough — 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 World of Sourdough — 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 World of Sourdough — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. World of Sourdough is not currently confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 11 SBA 7(a) deals since 2020
- $305K typical deal
- 4 deals since FY2025
- Too few deals to score a reliable failure rate
- Top lenders: Byline Bank, VelocitySBA, LLC, The Huntington National Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-18.
- 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 World of Sourdough.