Food & Restaurants · lender intelligence

How to finance a Big Apple Bagels

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The SBA 7(a) lenders funding the most Big Apple Bagels deals, ranked from public loan records — typical Big Apple Bagels loan about $120K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Big Apple Bagels

$120K

Typical loan

range $109K–$123K

$133K

Est. purchase price

≈ loan ÷ 90%

$17,173

Cash to close

$13,333 down + fees

$1,757/mo

Typical payment

~12.5% · 10yr

$24,247/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

13 days

Typical time to fund

Lenders competing

more = leverage

6.75%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with Big Apple Bagels

Ranked by funded Big Apple Bagels loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.31 loans · $11M · Green Bay, WIFull record →
2.3 loans · $0M · Winger, MNFull record →

4+ funded Big Apple Bagels deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

VLW VENTURES LLC in De Pere, WI — $123K (2025) · purchase · Nicolet National Bank
Program
Preferred Lenders Program
Rate at approval
8.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$104K (85%)
Approval → funding
13 days
Approved
1/24/2025
First disbursed
2/6/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$136K
Est. down payment (10%)
$14K
Est. cash at closing
$18K
Monthly payment
$1,521
Annual debt service
$18K
Cash flow needed (1.25×)
$23K
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 Nicolet National Bank · Lender record →
Your business? Claim this record · Request removal
Norstar Investments, L.L.C. in Duluth, MN — $120K (2022) · National Bank of Commerce
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6% fixed
Term
72 mo (6 yrs)
SBA guaranteed
$60K (50%)
Approval → funding
19 days
Approved
3/31/2022
First disbursed
4/19/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by National Bank of Commerce
Your business? Claim this record · Request removal
4EMPOWERMENT LLC in Green Bay, WI — $109K (2022) · purchase · Nicolet National Bank
Program
Preferred Lenders Program
Rate at approval
6.75% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$93K (85%)
Approval → funding
10 days
Approved
8/19/2022
First disbursed
8/29/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$121K
Est. down payment (10%)
$12K
Est. cash at closing
$16K
Monthly payment
$1,635
Annual debt service
$20K
Cash flow needed (1.25×)
$25K
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 Nicolet National Bank · Lender record →
Your business? Claim this record · Request removal
Northstar Unlimited LLC in Bemidji, MN — $100K (2021) · purchase · Ultima Bank Minnesota
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.75% variable
Term
84 mo (7 yrs)
SBA guaranteed
$75K (75%)
Approval → funding
4 days
Approved
3/4/2021
First disbursed
3/8/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,449
Annual debt service
$17K
Cash flow needed (1.25×)
$22K
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 Ultima Bank Minnesota · Lender record →
Your business? Claim this record · Request removal

Buying a Big Apple Bagels? Start with a lender that has funded the brand

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Big Apple Bagels businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Big Apple Bagels purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Nicolet National Bank funds the most. CapBench is not a lender.

$120K typical Big Apple Bagels loan
3 lenders fund the brand
13 days typical to fund

Buyers researching a Big Apple Bagels typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker Big Apple Bagels record

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.
Canonical:: https://www.capbench.com/lenders/franchise/big-apple-bagels
API:: https://www.capbench.com/api/public/lenders?franchise=big-apple-bagels
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.