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Food & Restaurants · lender intelligence

How to finance a Cinnaholic

The SBA 7(a) lenders funding the most Cinnaholic deals, ranked from public loan records — typical Cinnaholic loan about $300K, 3.45% failure rate across 51 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Cinnaholic

$300K

Typical loan

range $195K–$388K

$333K

Est. purchase price

≈ loan ÷ 90%

$44,583

Cash to close

$33,333 down + fees

$4,133/mo

Typical payment

~11% · 10yr

$57,035/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

96.6%

Still performing

3.4% default · FY20–23

24 days

Typical time to fund

21

Lenders competing

more = leverage

8.84%

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 Cinnaholic

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

  1. 1.2,539 loans · $965M · Columbus, OHFull record →
  2. 2.149 loans · $135M · Mukwonago, WIFull record →
  3. 3.116 loans · $120M · Evansville, INFull record →
  4. 4.318 loans · $229M · Osage Beach, MOFull record →
  5. 5.12 loans · $5M · Durham, NCFull record →
  6. 6.6 loans · $5M · San Antonio, TXFull record →
  7. 7.104 loans · $100M · Portsmouth, VAFull record →
  8. 8.17 loans · $5M · Fort Worth, TXFull record →
  9. 9.38 loans · $21M · San Antonio, TXFull record →
  10. 10.105 loans · $72M · Wilmington, DEFull record →
  11. 11.5 loans · $4M · Houston, TXFull record →
  12. 12.9 loans · $4M · Wheaton, ILFull record →
  13. 13.70 loans · $22M · Melrose, MNFull record →
  14. 14.1 loans · $1M · Lincoln, NEFull record →
  15. 15.60 loans · $40M · Clayton, MOFull record →
  16. 16.62 loans · $21M · Saint Cloud, MNFull record →
  17. 17.3 loans · $1M · Birmingham, ALFull record →
  18. 18.2 loans · $0M · Pittsfield, ILFull record →
  19. 19.17 loans · $29M · Tappahannock, VAFull record →

51+ funded Cinnaholic 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.

  • Gulistan Food LLC in Pigeon Forge, TN — $570K (2026) · Citizens Bank
  • Prettydawg Inc. in Waxahachie, TX — $502K (2026) · Citizens Bank
  • CINNAHOLIC BRIGHTON in Brighton, MI — $526K (2025) · First Bank of the Lake
  • CINNAMIMI99, LLC in Oklahoma City, OK — $401K (2025) · The Huntington National Bank
  • Cinnaholic Virginia Beach in Virginia Beach, VA — $339K (2025) · purchase · Mechanics and Farmers Bank
  • NICE BUNS, LLC in Atlanta, GA — $296K (2025) · purchase · Magnifi Financial CU
  • Cinnaholic in New York, NY — $251K (2025) · First Bank of the Lake
  • Ruti, LLC in Sumter, SC — $166K (2025) · The Huntington National Bank
  • CINNAMIMI99, LLC in Oklahoma City, OK — $50K (2025) · The Huntington National Bank
  • Ruti, LLC in Sumter, SC — $20K (2025) · The Huntington National Bank
  • Reignbow Rolls, LLC in Charlotte, NC — $498K (2024) · Mechanics and Farmers Bank
  • Gourmet Delights LLC in Carmel, IN — $468K (2024) · purchase · The Huntington National Bank
  • CINNAHOLIC in Louisville, KY — $457K (2024) · The Huntington National Bank
  • 3 LUCKY HOLDINGS LLC in Fort Wayne, IN — $434K (2024) · The Huntington National Bank
  • Chicagoland Gourmet Desserts, LLC in Naperville, IL — $383K (2024) · Wheaton Bank & Trust Company, National Association
  • Cinnaholic in Seattle, WA — $324K (2024) · U.S. Bank, National Association
  • R&L LLC in Odessa, TX — $305K (2024) · The Huntington National Bank
  • CINNYROLLS LLC in Alpharetta, GA — $300K (2024) · The Huntington National Bank
  • 3 LUCKY HOLDINGS LLC in Fort Wayne, IN — $30K (2024) · The Huntington National Bank
  • CINNYROLLS LLC in Alpharetta, GA — $30K (2024) · The Huntington National Bank

Buying a Cinnaholic? 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.

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 loans to Cinnaholic businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Cinnaholic 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.

  • $300K typical Cinnaholic loan
  • 3.45% failure rate (FY20–23)
  • 21 lenders fund the brand
  • 24 days typical to fund

Buyers researching a Cinnaholic 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 dealTalk to a loan brokerCinnaholic 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/cinnaholic
API:
https://www.capbench.com/api/public/lenders?franchise=cinnaholic
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.
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