Food & Restaurants · lender intelligence

How to finance a Cinnabon

State:

The SBA 7(a) lenders funding the most Cinnabon deals, ranked from public loan records — typical Cinnabon loan about $386K, 0% failure rate across 29 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Cinnabon

$386K

Typical loan

range $145K–$653K

$429K

Est. purchase price

≈ loan ÷ 90%

$57,364

Cash to close

$42,889 down + fees

$4,995/mo

Typical payment

~9.5% · 10yr

$68,931/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

19 days

Typical time to fund

Lenders competing

more = leverage

8.52%

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 Cinnabon

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.42 loans · $19M · Louisville, KYFull record →
3.105 loans · $72M · Wilmington, DEFull record →
4.105 loans · $164M · Brookline, MAFull record →
5.24 loans · $17M · Wayne, PAFull record →
6.9 loans · $2M · Reston, VAFull record →
7.112 loans · $112M · Irving, TXFull record →
8.65 loans · $52M · Lancaster, PAFull record →
9.9 loans · $3M · Sioux Falls, SDFull record →
10.1,322 loans · $185M · Wilmington, DEFull record →
11.3 loans · $2M · Atlanta, GAFull record →
12.274 loans · $315M · Los Angeles, CAFull record →
13.168 loans · $205M · Fishers, INFull record →
14.29 loans · $28M · Quincy, CAFull record →
15.61 loans · $67M · Los Angeles, CAFull record →

29+ funded Cinnabon 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.

Delectable Delights Canarsie LLC in Brooklyn, NY — $1.2M (2026) · VelocitySBA, LLC
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
126 months
SBA guaranteed
$912K (75%)
Approved
3/20/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
23
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by VelocitySBA, LLC · Lender record →
Your business? Claim this record · Request removal
CINNA MM LLC in Mc Lean, VA — $1.3M (2025) · Wilmington Savings Fund Society FSB
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$938K (75%)
Approval → funding
22 days
Approved
11/12/2024
First disbursed
12/4/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
11
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Wilmington Savings Fund Society FSB · Lender record →
Your business? Claim this record · Request removal
MCF Ventures LLC in Los Angeles, CA — $680K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$510K (75%)
Approved
8/29/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
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
SoPatriKa LLC in Leesburg, VA — $455K (2025) · John Marshall Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
126 months
SBA guaranteed
$341K (75%)
Approval → funding
97 days
Approved
9/11/2025
First disbursed
12/17/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Startup, Loan Funds will Open Business
Industry
Baked Goods Retailers
Funded by John Marshall Bank · Lender record →
Your business? Claim this record · Request removal
AJR Bakeries Inc. in Cincinnati, OH — $280K (2025) · purchase · Republic Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
7.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$210K (75%)
Approved
7/17/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$311K
Est. down payment (10%)
$31K
Est. cash at closing
$42K
Monthly payment
$3,360
Annual debt service
$40K
Cash flow needed (1.25×)
$50K
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 Republic Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
MCF Ventures LLC in Los Angeles, CA — $50K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
8/29/2025
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
9
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
AJR Bakeries Inc. in Cincinnati, OH — $25K (2025) · Republic Bank & Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
13 months
SBA guaranteed
$13K (50%)
Approved
7/17/2025
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Retail Bakeries
Funded by Republic Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
GAD BRAND OF SOUTH HILLS LLC in Pittsburgh, PA — $500K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
3 days
Approved
6/24/2024
First disbursed
6/27/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
S&JEAN LLC in Arcadia, CA — $150K (2024) · Bank of Hope
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
60 mo (5 yrs)
SBA guaranteed
$75K (50%)
Approval → funding
5 days
Approved
4/19/2024
First disbursed
4/24/2024
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
Baked Goods Retailers
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
GAD BRAND OF SOUTH HILLS LLC in Pittsburgh, PA — $25K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
6/24/2024
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Warrick-Lovato LLC in Albuquerque, NM — $700K (2023) · purchase · State Empl CU
Program
7a General
Rate at approval
10% fixed
Term
114 months
SBA guaranteed
$525K (75%)
Approval → funding
27 days
Approved
9/27/2023
First disbursed
10/24/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
19
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$777K
Est. down payment (10%)
$78K
Est. cash at closing
$104K
Monthly payment
$9,529
Annual debt service
$114K
Cash flow needed (1.25×)
$143K
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 State Empl CU
Your business? Claim this record · Request removal
SM Baking Inc. in Cincinnati, OH — $465K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$349K (75%)
Approval → funding
8 days
Approved
8/30/2023
First disbursed
9/7/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Gad Brand of Ross Park LLC in Pittsburgh, PA — $440K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$330K (75%)
Approval → funding
7 days
Approved
8/25/2023
First disbursed
9/1/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Nile Holdings LLC in Portage, MI — $386K (2023) · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
105 months
SBA guaranteed
$290K (75%)
Approval → funding
192 days
Approved
3/20/2023
First disbursed
9/28/2023
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
22
Business age
New Business or 2 years or less
Industry
Retail Bakeries
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Gad Brand of Ross Park LLC in Pittsburgh, PA — $25K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
8/25/2023
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
30
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
SM Baking Inc. in Cincinnati, OH — $25K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
8/30/2023
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Sichem, Inc. in Midlothian, TX — $1.2M (2022) · purchase · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
104 months
SBA guaranteed
$900K (75%)
Approval → funding
18 days
Approved
3/14/2022
First disbursed
4/1/2022
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
51
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$1.3M
Est. down payment (10%)
$133K
Est. cash at closing
$183K
Monthly payment
$14,825
Annual debt service
$178K
Cash flow needed (1.25×)
$222K
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 Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
374 Serinatee's Place LLC in Brooklyn, NY — $680K (2022) · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
227 months
SBA guaranteed
$510K (75%)
Approval → funding
19 days
Approved
1/7/2022
First disbursed
1/26/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Retail Bakeries
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Omsainath, Inc in Lahaska, PA — $540K (2022) · Wilmington Savings Fund Society FSB
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
125 months
SBA guaranteed
$405K (75%)
Approval → funding
31 days
Approved
3/8/2022
First disbursed
4/8/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
New Business or 2 years or less
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Wilmington Savings Fund Society FSB · Lender record →
Your business? Claim this record · Request removal
JCBons, Inc in Johnson City, NY — $236K (2022) · Craft Bank
Program
7a General
Rate at approval
8.25% variable
Term
126 months
SBA guaranteed
$177K (75%)
Approval → funding
15 days
Approved
9/19/2022
First disbursed
10/4/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Craft Bank · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a Cinnabon 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. The Huntington National Bank funds the most. CapBench is not a lender.

$386K typical Cinnabon loan
0% failure rate (FY20–23)
17 lenders fund the brand
19 days typical to fund

Buyers researching a Cinnabon 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 Cinnabon 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/cinnabon
API:: https://www.capbench.com/api/public/lenders?franchise=cinnabon
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.