Food & Restaurants · lender intelligence
How to finance a Cold Stone Creamery
The SBA 7(a) lenders funding the most Cold Stone Creamery deals, ranked from public loan records — typical Cold Stone Creamery loan about $353K, 0.87% failure rate across 202 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Cold Stone Creamery
$353K
Typical loan
range $213K–$520K
$392K
Est. purchase price
≈ loan ÷ 90%
$52,416
Cash to close
$39,189 down + fees
$4,612/mo
Typical payment
~9.75% · 10yr
$63,646/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
99.1%
Still performing
0.9% default · FY20–23
27 days
Typical time to fund
75
Lenders competing
more = leverage
8.37%
Avg rate on record
cap ~10.00%
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 Cold Stone Creamery
Ranked by funded Cold Stone Creamery 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 →
- 2.149 loans · $135M · Mukwonago, WIFull record →
- 3.1,025 loans · $292M · Berkeley Heights, NJFull record →
- 4.1,927 loans · $207M · Buffalo, NYFull record →
- 5.75 loans · $98M · Sioux Falls, SDFull record →
- 6.3,264 loans · $846M · Miami, FLFull record →
- 7.68 loans · $8M · Ontario, CAFull record →
- 8.618 loans · $171M · Salt Lake City, UTFull record →
- 9.85 loans · $148M · Los Angeles, CAFull record →
- 10.19 loans · $18M · Grand Rapids, MIFull record →
- 11.62 loans · $34M · Winter Haven, FLFull record →
- 12.328 loans · $134M · Cleveland, OHFull record →
- 13.112 loans · $112M · Irving, TXFull record →
- 14.128 loans · $40M · Wilmington, DEFull record →
- 15.318 loans · $229M · Osage Beach, MOFull record →
- 16.66 loans · $68M · Milford, IAFull record →
- 17.65 loans · $78M · Springfield, MOFull record →
- 18.9 loans · $2M · Burley, IDFull record →
- 19.44 loans · $52M · Wallis, TXFull record →
- 20.1 loans · $0M · Irvington, KYFull record →
- 21.9 loans · $10M · Warren, PAFull record →
- 22.10 loans · $2M · Jefferson City, MOFull record →
- 23.1 loans · $0M · Gahanna, OHFull record →
- 24.23 loans · $30M · Stuart, FLFull record →
- 25.138 loans · $276M · Sioux Falls, SDFull record →
202+ funded Cold Stone Creamery 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.
- Inaika's Ice Cream LLC in Mount Washington, KY — $850K (2026) · VelocitySBA, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 124 months
- SBA guaranteed
- $638K (75%)
- Approved
- 2/26/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by VelocitySBA, LLC · Lender record →
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- Creamo LLC in Columbus, OH — $806K (2026) · Community Bank & Trust-West Georgia
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $605K (75%)
- Approval → funding
- 30 days
- Approved
- 1/12/2026
- First disbursed
- 2/11/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Community Bank & Trust-West Georgia
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- J Lucks Group Me LLC in Sanford, FL — $761K (2026) · Busey Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 124 months
- SBA guaranteed
- $571K (75%)
- Approved
- 1/30/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Busey Bank · Lender record →
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- CamiLuke Flavors LLC in San Antonio, TX — $701K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $525K (75%)
- Approval → funding
- 24 days
- Approved
- 12/29/2025
- First disbursed
- 1/22/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
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- Cold Stone Creamery and Planet Smoothie in Elgin, SC — $650K (2026) · United Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 126 months
- SBA guaranteed
- $488K (75%)
- Approved
- 3/20/2026
- Loan status
- Committed
- 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 United Community Bank · Lender record →
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- The Treat Tree LLC in Ogden, UT — $644K (2026) · Zions Bank, A Division of
- Program
- Preferred Lenders Program
- Rate at approval
- 7.1% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $483K (75%)
- Approved
- 3/24/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 29
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Zions Bank, A Division of · Lender record →
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- Cold Stone Creamery Billings in Billings, MT — $605K (2026) · purchase · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $454K (75%)
- Approval → funding
- 34 days
- Approved
- 1/16/2026
- First disbursed
- 2/19/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 93
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $672K
- Est. down payment (10%)
- $67K
- Est. cash at closing
- $90K
- Monthly payment
- $7,582
- Annual debt service
- $91K
- Cash flow needed (1.25×)
- $114K
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 First Bank of the Lake · Lender record →
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- SAVAR Enterprises LLC in Collegeville, PA — $576K (2026) · Peoples Security Bank and Trust Company
- Program
- 7a General
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $432K (75%)
- Approved
- 1/21/2026
- Loan status
- Committed
- 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 Peoples Security Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
- LITTLE GREEN SPOON INC. in Oswego, IL — $530K (2026) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 123 months
- SBA guaranteed
- $398K (75%)
- Approved
- 3/11/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
- Odeh Saad Enterprise LLC in Sun City Center, FL — $511K (2026) · Lake Michigan CU
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 126 months
- SBA guaranteed
- $383K (75%)
- Approved
- 1/8/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Ice Cream and Frozen Dessert Manufacturing
Funded by Lake Michigan CU · Lender record →
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- Cold Stone Creamery in Severn, MD — $500K (2026) · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 126 months
- SBA guaranteed
- $375K (75%)
- Approved
- 2/23/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Newtek Bank, National Association · Lender record →
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- AMK Food LLC in Snellville, GA — $493K (2026) · Platinum Federal Credit Union
- Program
- 7a General
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $370K (75%)
- Approval → funding
- 68 days
- Approved
- 12/19/2025
- First disbursed
- 2/25/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Platinum Federal Credit Union · Lender record →
Your business? Claim this record · Request removal
- Atif & Sons LLC in El Dorado Hills, CA — $450K (2026) · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $338K (75%)
- Approved
- 3/25/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Too Sweet Treats LLC in Milford, DE — $440K (2026) · Manufacturers and Traders Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $330K (75%)
- Approved
- 3/23/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Manufacturers and Traders Trust Company · Lender record →
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- K&H Foods LLC in Plymouth, MI — $350K (2026) · ChoiceOne Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 1/29/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by ChoiceOne Bank · Lender record →
Your business? Claim this record · Request removal
- Sapphire One Restaurants Mesquite LLC in Mesquite, TX — $349K (2026) · First State Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 104 months
- SBA guaranteed
- $261K (75%)
- Approved
- 2/23/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by First State Bank · Lender record →
Your business? Claim this record · Request removal
- Cold Stone Creamery Santa Fe, LLC in Santa Fe, NM — $342K (2026) · Century Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 126 months
- SBA guaranteed
- $257K (75%)
- Approved
- 11/19/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by Century Bank · Lender record →
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- The Best Creamery LLC in Mesa, AZ — $315K (2026) · U.S. Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $236K (75%)
- Approved
- 1/30/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by U.S. Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Cold Stone Creamery in Folsom, CA — $300K (2026) · purchase · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approved
- 2/17/2026
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $333K
- Est. down payment (10%)
- $33K
- Est. cash at closing
- $45K
- Monthly payment
- $3,923
- Annual debt service
- $47K
- Cash flow needed (1.25×)
- $59K
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 Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Cold Stone Creamery in Folsom, CA — $300K (2026) · purchase · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $225K (75%)
- Approved
- 3/23/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $333K
- Est. down payment (10%)
- $33K
- Est. cash at closing
- $45K
- Monthly payment
- $3,923
- Annual debt service
- $47K
- Cash flow needed (1.25×)
- $59K
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 Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Buying a Cold Stone Creamery? 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 Cold Stone Creamery businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Cold Stone Creamery 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.
- $353K typical Cold Stone Creamery loan
- 0.87% failure rate (FY20–23)
- 75 lenders fund the brand
- 27 days typical to fund
Buyers researching a Cold Stone Creamery 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.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-10-12.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- 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.