Food & Restaurants · lender intelligence

How to finance a Crispy Cones

State:

The SBA 7(a) lenders funding the most Crispy Cones deals, ranked from public loan records — typical Crispy Cones loan about $349K, 0% failure rate across 29 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Crispy Cones

$349K

Typical loan

range $40K–$396K

$388K

Est. purchase price

≈ loan ÷ 90%

$51,866

Cash to close

$38,778 down + fees

$4,807/mo

Typical payment

~11% · 10yr

$66,337/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

31 days

Typical time to fund

Lenders competing

more = leverage

9.71%

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 Crispy Cones

Ranked by funded Crispy Cones 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 →
2.3,264 loans · $846M · Miami, FLFull record →
3.26 loans · $26M · Billings, MTFull record →
4.88 loans · $96M · Muncie, INFull record →
5.618 loans · $171M · Salt Lake City, UTFull record →
6.149 loans · $135M · Mukwonago, WIFull record →

29+ funded Crispy Cones 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.

Brian John Patrick Inc. in Conroe, TX — $522K (2026) · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$392K (75%)
Approval → funding
21 days
Approved
1/29/2026
First disbursed
2/19/2026
Loan status
Current
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 Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
Corral Ventures Group LLC in Pocatello, ID — $460K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
132 mo (11 yrs)
SBA guaranteed
$345K (75%)
Approval → funding
7 days
Approved
11/13/2025
First disbursed
11/20/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
24
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
Flo Cones Collective LLC in Ocala, FL — $440K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$330K (75%)
Approved
1/29/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
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
406 Cones LLC in Billings, MT — $415K (2026) · First Interstate Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$311K (75%)
Approval → funding
11 days
Approved
1/29/2026
First disbursed
2/9/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by First Interstate Bank · Lender record →
Your business? Claim this record · Request removal
CRIPSY CONES DURBIN CREEK in Saint Johns, FL — $350K (2026) · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
124 months
SBA guaranteed
$263K (75%)
Approval → funding
50 days
Approved
12/15/2025
First disbursed
2/3/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Sanchez & Perez Associates, LLC in Sacramento, CA — $344K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$258K (75%)
Approved
2/6/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
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
Flo Cones Collective LLC in Ocala, FL — $50K (2026) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
1/29/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
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
Sanchez & Perez Associates, LLC in Sacramento, CA — $30K (2026) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approved
2/6/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
10
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
406 Cones LLC in Billings, MT — $25K (2026) · First Interstate Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
8 days
Approved
1/29/2026
First disbursed
2/6/2026
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by First Interstate Bank · Lender record →
Your business? Claim this record · Request removal
Forever Knots LLC in Centennial, CO — $500K (2025) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
125 months
SBA guaranteed
$375K (75%)
Approval → funding
159 days
Approved
5/22/2025
First disbursed
10/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Carolinas Cone & More LLC in Charlotte, NC — $498K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$374K (75%)
Approved
5/19/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
BLISSFUL DELIGHTS, LLC in Haines City, FL — $437K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
129 months
SBA guaranteed
$328K (75%)
Approval → funding
62 days
Approved
6/24/2025
First disbursed
8/25/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
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
CRISPY CROWS LLC in Plano, TX — $396K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$297K (75%)
Approval → funding
35 days
Approved
7/22/2025
First disbursed
8/26/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
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
Crispy Crows 2 LLC in Lantana, TX — $390K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$293K (75%)
Approved
5/23/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
22
Business age
New Business or 2 years or less
Industry
Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
G & V Sweetness, LLC in Pasco, WA — $381K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$285K (75%)
Approval → funding
53 days
Approved
5/19/2025
First disbursed
7/11/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
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
CRISPY CROWS LLC in Plano, TX — $366K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
129 months
SBA guaranteed
$275K (75%)
Approved
5/15/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
22
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
KK SWEET SWIRLS LLC in St Johns, FL — $350K (2025) · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
124 months
SBA guaranteed
$263K (75%)
Approved
8/12/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
ICE CREAM JUNKIES LLC in Fort Wayne, IN — $350K (2025) · First Merchants Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
132 mo (11 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
26 days
Approved
6/18/2025
First disbursed
7/14/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
All Other Specialty Food Retailers
Funded by First Merchants Bank · Lender record →
Your business? Claim this record · Request removal
Carolinas Cone & More LLC in Charlotte, NC — $349K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$262K (75%)
Approval → funding
16 days
Approved
9/17/2025
First disbursed
10/3/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
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
Carolinas Cone & More L.L.C. in Charlotte, NC — $40K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$20K (50%)
Approval → funding
72 days
Approved
9/17/2025
First disbursed
11/28/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
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 Crispy Cones? Start with a lender that has funded the brand

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Crispy Cones businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Crispy Cones 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.

$349K typical Crispy Cones loan
0% failure rate (FY20–23)
7 lenders fund the brand
31 days typical to fund

Buyers researching a Crispy Cones 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 Crispy Cones 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/crispy-cones
API:: https://www.capbench.com/api/public/lenders?franchise=crispy-cones
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.