Food & Restaurants · lender intelligence

How to finance a Cookie Co.

State:

The SBA 7(a) lenders funding the most Cookie Co. deals, ranked from public loan records — typical Cookie Co. loan about $255K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Cookie Co.

$255K

Typical loan

range $50K–$324K

$283K

Est. purchase price

≈ loan ÷ 90%

$37,896

Cash to close

$28,333 down + fees

$3,513/mo

Typical payment

~11% · 10yr

$48,479/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

13 days

Typical time to fund

Lenders competing

more = leverage

9.23%

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 Cookie Co.

Ranked by funded Cookie Co. 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 →

11+ funded Cookie Co. 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.

PMAC FRANCHISING, LLC in Austin, TX — $349K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
89 months
SBA guaranteed
$262K (75%)
Approval → funding
5 days
Approved
1/5/2023
First disbursed
1/10/2023
Loan status
Failed — $332K charged off (9/16/2025)
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Curtin Fam Investments LLC in Chino, CA — $324K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$243K (75%)
Approval → funding
5 days
Approved
10/20/2022
First disbursed
10/25/2022
Loan status
In liquidation
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
Witham Family Investments LLC in Harrisburg, NC — $318K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$239K (75%)
Approval → funding
13 days
Approved
5/25/2023
First disbursed
6/7/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
22
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
M&J's Cookie Co LLC in La Quinta, CA — $288K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$216K (75%)
Approval → funding
7 days
Approved
10/24/2022
First disbursed
10/31/2022
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
25
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
OUTLIER GROUP LLC in Montclair, CA — $150K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
118 months
SBA guaranteed
$128K (85%)
Approval → funding
25 days
Approved
8/11/2023
First disbursed
9/5/2023
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
New Business or 2 years or less
Industry
Baked Goods Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
M&J's Cooke Co LLC in La Quinta, CA — $50K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
10/3/2022
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
25
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
Curtin Fam Investments LLC in Chino, CA — $25K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
18 days
Approved
10/20/2022
First disbursed
11/7/2022
Loan status
In workout — SBA bought the guarantee
Loan type
Revolving line
Collateral
Not 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
Witham Family Investments LLC in Concord, NC — $25K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
13 days
Approved
5/25/2023
First disbursed
6/7/2023
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
22
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
LRW LLC in Rancho Cucamonga, CA — $333K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8% fixed
Term
91 months
SBA guaranteed
$249K (75%)
Approval → funding
0 days
Approved
9/15/2022
First disbursed
9/15/2022
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
28
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
Dough Makers Texas, LLC in Frisco, TX — $255K (2022) · TBK Bank, SSB
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.5% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$128K (50%)
Approval → funding
22 days
Approved
7/20/2022
First disbursed
8/11/2022
Loan status
Paid in full (11/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Cookie and Cracker Manufacturing
Funded by TBK Bank, SSB
Your business? Claim this record · Request removal
LRW LLC in Rancho Cucamonga, CA — $50K (2022) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
9/15/2022
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
28
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

Buying a Cookie Co.? 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 Cookie Co. businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Cookie Co. 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.

$255K typical Cookie Co. loan
2 lenders fund the brand
13 days typical to fund

Buyers researching a Cookie Co. 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 Cookie Co. 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/cookie-co
API:: https://www.capbench.com/api/public/lenders?franchise=cookie-co
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.