Food & Restaurants · lender intelligence
How to finance a Big Apple Bagels in Minnesota
The SBA 7(a) lenders funding the most Big Apple Bagels deals in Minnesota, from public loan records — typical Big Apple Bagels loan about $120K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Big Apple Bagels in Minnesota
$120K
Typical loan
range $100K–$120K
$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
19 days
Typical time to fund
2
Lenders competing
more = leverage
5.88%
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 in Minnesota
Ranked by funded Big Apple Bagels loans in Minnesota. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.3 loans · $0M · Winger, MNFull record →
2+ funded Big Apple Bagels in Minnesota 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.
- 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
- 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 in Minnesota? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded Big Apple Bagels loans with a Minnesota project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Big Apple Bagels purchase in Minnesota with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Minnesota deals. Ultima Bank Minnesota funds the most here. CapBench is not a lender.
- $120K typical Big Apple Bagels loan
- 2 lenders active in Minnesota
- 2+ funded Minnesota deals
- 19 days typical to fund
Buyers buying a Big Apple Bagels in Minnesota typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-08-01.
- 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.