Food & Restaurants · lender intelligence

How to finance a Cinnabon in Ohio

State:

The SBA 7(a) lenders funding the most Cinnabon deals in Ohio, 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 Ohio

$280K

Typical loan

range $25K–$465K

$311K

Est. purchase price

≈ loan ÷ 90%

$41,611

Cash to close

$31,111 down + fees

$3,857/mo

Typical payment

~11% · 10yr

$53,227/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

8 days

Typical time to fund

Lenders competing

more = leverage

9.69%

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 Ohio

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

1.42 loans · $19M · Louisville, KYFull record →
2.2,539 loans · $965M · Columbus, OHFull record →

4+ funded Cinnabon in Ohio 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.

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
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
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
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

Buying a Cinnabon in Ohio? 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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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 Ohio project address. Mega-bank call-center lenders excluded.

Agent summary

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

$386K typical Cinnabon loan
2 lenders active in Ohio
4+ funded Ohio deals
8 days typical to fund

Buyers buying a Cinnabon in Ohio 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 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/cinnabon/ohio
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.