Food & Restaurants · lender intelligence
How to finance a Breadsmith in North Dakota
The SBA 7(a) lenders funding the most Breadsmith deals in North Dakota, from public loan records — typical Breadsmith loan about $340K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Breadsmith in North Dakota
$89K
Typical loan
range $89K–$89K
$99K
Est. purchase price
≈ loan ÷ 90%
$12,780
Cash to close
$9,922 down + fees
$1,307/mo
Typical payment
~12.5% · 10yr
$18,037/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
2 days
Typical time to fund
1
Lenders competing
more = leverage
7.6%
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 Breadsmith in North Dakota
Ranked by funded Breadsmith loans in North Dakota. Tap a lender for its full record, or hit Get in touch for an introduction.
No directory lender has enough Breadsmith loans in North Dakota to rank yet. See Breadsmith lenders nationwide →
1+ funded Breadsmith in North Dakota 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.
- Meat Jesus, LLC in Fargo, ND — $89K (2023) · purchase · First Community CU
- Program
- 7a General
- Rate at approval
- 7.6% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $76K (85%)
- Approval → funding
- 2 days
- Approved
- 3/22/2023
- First disbursed
- 3/24/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 19
- Business age
- Change of Ownership
- Industry
- Baked Goods Retailers
If you were the buyer here
- Est. deal size
- $99K
- Est. down payment (10%)
- $10K
- Est. cash at closing
- $13K
- Monthly payment
- $1,374
- Annual debt service
- $16K
- Cash flow needed (1.25×)
- $21K
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 First Community CU
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Buying a Breadsmith in North Dakota? 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 Breadsmith loans with a North Dakota project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Breadsmith purchase in North Dakota with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded North Dakota deals. CapBench is not a lender.
- $340K typical Breadsmith loan
- 1 lenders active in North Dakota
- 1+ funded North Dakota deals
- 2 days typical to fund
Buyers buying a Breadsmith in North Dakota 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 2026-06-17.
- 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.