Food & Restaurants · lender intelligence
How to finance a Candy Cloud in Illinois
The SBA 7(a) lenders funding the most Candy Cloud deals in Illinois, from public loan records — typical Candy Cloud loan about $394K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Candy Cloud in Illinois
$346K
Typical loan
range $257K–$500K
$384K
Est. purchase price
≈ loan ÷ 90%
$51,419
Cash to close
$38,444 down + fees
$4,766/mo
Typical payment
~11% · 10yr
$65,771/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
19 days
Typical time to fund
3
Lenders competing
more = leverage
8.87%
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 Candy Cloud in Illinois
Ranked by funded Candy Cloud loans in Illinois. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.17 loans · $9M · Saint Charles, ILFull record →
- 2.2,539 loans · $965M · Columbus, OHFull record →
- 3.16 loans · $9M · Effingham, ILFull record →
5+ funded Candy Cloud in Illinois 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.
- Cloud Nine Sips Oswego, LLC in Oswego, IL — $500K (2025) · St. Charles Bank & Trust Company, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.57% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 14 days
- Approved
- 5/20/2025
- First disbursed
- 6/3/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by St. Charles Bank & Trust Company, National Association · Lender record →
Your business? Claim this record · Request removal
- Cloud Nine Sips DeKalb LLC in Dekalb, IL — $500K (2025) · St. Charles Bank & Trust Company, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.8% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 19 days
- Approved
- 11/29/2024
- First disbursed
- 12/18/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by St. Charles Bank & Trust Company, National Association · Lender record →
Your business? Claim this record · Request removal
- Candy Cloud LLC in Rockford, IL — $257K (2025) · Midland States Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $192K (75%)
- Approval → funding
- 22 days
- Approved
- 9/23/2025
- First disbursed
- 10/15/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Business age
- Existing or more than 2 years old
- Industry
- All Other Specialty Food Retailers
Funded by Midland States Bank · Lender record →
Your business? Claim this record · Request removal
- Wrage Ventures LLC in South Elgin, IL — $346K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $260K (75%)
- Approval → funding
- 11 days
- Approved
- 6/12/2023
- First disbursed
- 6/23/2023
- Loan status
- Payments deferred
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 36
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Wrage Ventures LLC in South Elgin, IL — $50K (2023) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 23 days
- Approved
- 6/12/2023
- First disbursed
- 7/5/2023
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 36
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Candy Cloud in Illinois? 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.
Free · No documents · Usually same-day
Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.
CapBench analysis of public SBA 7(a) lending records; ranked by funded Candy Cloud loans with a Illinois project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Candy Cloud purchase in Illinois with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Illinois deals. St. Charles Bank & Trust Company, National Association funds the most here. CapBench is not a lender.
- $394K typical Candy Cloud loan
- 3 lenders active in Illinois
- 5+ funded Illinois deals
- 19 days typical to fund
Buyers buying a Candy Cloud in Illinois 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.