Food & Restaurants · lender intelligence

How to finance a Cinnabon in California

State:

Connecticut (1)Delaware (2)Michigan (1)Montana (1)Nevada (1)New Mexico (1)New York (3)Ohio (4)Pennsylvania (7)South Dakota (1)Texas (1)Virginia (2)

The SBA 7(a) lenders funding the most Cinnabon deals in California, from public loan records — typical Cinnabon loan about $386K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Cinnabon in California

$150K

Typical loan

range $145K–$680K

$167K

Est. purchase price

≈ loan ÷ 90%

$21,467

Cash to close

$16,667 down + fees

$2,196/mo

Typical payment

~12.5% · 10yr

$30,305/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

27 days

Typical time to fund

Lenders competing

more = leverage

9.31%

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 in California

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.274 loans · $315M · Los Angeles, CAFull record →
3.61 loans · $67M · Los Angeles, CAFull record →

4+ funded Cinnabon in California 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.

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
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
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
Mark Kim in Torrance, CA — $145K (2020) · PCB Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
108 mo (9 yrs)
SBA guaranteed
$109K (75%)
Approval → funding
27 days
Approved
3/4/2020
First disbursed
3/31/2020
Loan status
Paid in full (1/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Individual
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by PCB Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Cinnabon in California? 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.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

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

Agent summary

How to finance a Cinnabon purchase in California with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded California deals. The Huntington National Bank funds the most here. CapBench is not a lender.

$386K typical Cinnabon loan
3 lenders active in California
4+ funded California deals
27 days typical to fund

Buyers buying a Cinnabon in California 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.

Next steps

Pre-qualify this deal Talk to a loan broker All Cinnabon lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-23.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/cinnabon/california
API:: https://www.capbench.com/api/public/lenders?franchise=cinnabon&state=CA
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.