Food & Restaurants · lender intelligence

How to finance a Chip/Chip Cookies

State:

The SBA 7(a) lenders funding the most Chip/Chip Cookies deals, ranked from public loan records — typical Chip/Chip Cookies loan about $427K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Chip/Chip Cookies

$427K

Typical loan

range $315K–$499K

$475K

Est. purchase price

≈ loan ÷ 90%

$63,502

Cash to close

$47,478 down + fees

$5,529/mo

Typical payment

~9.5% · 10yr

$76,300/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

9 days

Typical time to fund

Lenders competing

more = leverage

10.07%

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 Chip/Chip Cookies

Ranked by funded Chip/Chip Cookies loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.23 loans · $21M · Greenwood Village, COFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.318 loans · $229M · Osage Beach, MOFull record →
4.7 loans · $6M · Douglas, GAFull record →
5.34 loans · $26M · Kalispell, MTFull record →
6.75 loans · $98M · Sioux Falls, SDFull record →

10+ funded Chip/Chip Cookies 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.

CookieCo LLC in Sacramento, CA — $470K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$353K (75%)
Approval → funding
9 days
Approved
5/6/2024
First disbursed
5/15/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
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
CookieCo LLC in Sacramento, CA — $30K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approved
5/6/2024
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
5
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
J&S Franchises LLC in Torrance, CA — $700K (2023) · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
123 months
SBA guaranteed
$525K (75%)
Approval → funding
7 days
Approved
6/28/2023
First disbursed
7/5/2023
Loan status
Paid in full (6/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
Chip Cookies in Walnut Creek, CA — $500K (2023) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
126 months
SBA guaranteed
$375K (75%)
Approval → funding
185 days
Approved
9/30/2023
First disbursed
4/2/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Chip Cookies Pleasant View in Ogden, UT — $499K (2023) · First National Bank of Coffee County
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
108 mo (9 yrs)
SBA guaranteed
$374K (75%)
Approval → funding
12 days
Approved
2/22/2023
First disbursed
3/6/2023
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by First National Bank of Coffee County · Lender record →
Your business? Claim this record · Request removal
Wolfgang Industries LLC in Culver City, CA — $427K (2023) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
126 months
SBA guaranteed
$320K (75%)
Approval → funding
7 days
Approved
8/17/2023
First disbursed
8/24/2023
Loan status
Paid in full (12/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
High Octane Holdings LLC in Spanish Fork, UT — $418K (2023) · Community Banks of Colorado, A Division of NBH Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
131 months
SBA guaranteed
$313K (75%)
Approval → funding
24 days
Approved
3/20/2023
First disbursed
4/13/2023
Loan status
Paid in full (4/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Baked Goods Retailers
Funded by Community Banks of Colorado, A Division of NBH Bank · Lender record →
Your business? Claim this record · Request removal
Cedar Chipper, Inc. in Cedar City, UT — $374K (2023) · Community Banks of Colorado, A Division of NBH Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
126 months
SBA guaranteed
$281K (75%)
Approval → funding
4 days
Approved
7/27/2023
First disbursed
7/31/2023
Loan status
Paid in full (11/30/2024)
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
Baked Goods Retailers
Funded by Community Banks of Colorado, A Division of NBH Bank · Lender record →
Your business? Claim this record · Request removal
TXCHIP1 LLC in Plano, TX — $300K (2023) · Community Banks of Colorado, A Division of NBH Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
124 months
SBA guaranteed
$225K (75%)
Approval → funding
6 days
Approved
5/19/2023
First disbursed
5/25/2023
Loan status
Paid in full (11/30/2024)
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
Baked Goods Retailers
Funded by Community Banks of Colorado, A Division of NBH Bank · Lender record →
Your business? Claim this record · Request removal
Hall Joshi Global Capital LLC in Coeur D Alene, ID — $315K (2022) · Glacier Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
127 months
SBA guaranteed
$236K (75%)
Approval → funding
14 days
Approved
9/20/2022
First disbursed
10/4/2022
Loan status
Paid in full (5/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Baked Goods Retailers
Funded by Glacier Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Chip/Chip Cookies? Start with a lender that has funded the brand

We'll point you to the SBA lenders already financing this brand — 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 loans to Chip/Chip Cookies businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Chip/Chip Cookies 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. Community Banks of Colorado, A Division of NBH Bank funds the most. CapBench is not a lender.

$427K typical Chip/Chip Cookies loan
6 lenders fund the brand
9 days typical to fund

Buyers researching a Chip/Chip Cookies 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 Chip/Chip Cookies record

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.
Canonical:: https://www.capbench.com/lenders/franchise/chip-chip-cookies
API:: https://www.capbench.com/api/public/lenders?franchise=chip-chip-cookies
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.