Food & Restaurants · lender intelligence
How to finance a Crumbl
The SBA 7(a) lenders funding the most Crumbl deals, ranked from public loan records — typical Crumbl loan about $473K, 0% failure rate across 295 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Crumbl
$473K
Typical loan
range $344K–$630K
$526K
Est. purchase price
≈ loan ÷ 90%
$70,294
Cash to close
$52,556 down + fees
$6,121/mo
Typical payment
~9.5% · 10yr
$84,470/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
100.0%
Still performing
0% default · FY20–23
21 days
Typical time to fund
88
Lenders competing
more = leverage
7.57%
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 Crumbl
Ranked by funded Crumbl 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 →
- 2.24 loans · $9M · Logan, UTFull record →
- 3.149 loans · $135M · Mukwonago, WIFull record →
- 4.66 loans · $68M · Milford, IAFull record →
- 5.168 loans · $205M · Fishers, INFull record →
- 6.88 loans · $96M · Muncie, INFull record →
- 7.1,296 loans · $1.4B · Wilmington, NCFull record →
- 8.20 loans · $8M · Saint Petersburg, FLFull record →
- 9.19 loans · $5M · Roseville, CAFull record →
- 10.60 loans · $40M · Clayton, MOFull record →
- 11.242 loans · $281M · Chicago, ILFull record →
- 12.284 loans · $254M · Cincinnati, OHFull record →
- 13.54 loans · $22M · Chubbuck, IDFull record →
- 14.328 loans · $134M · Cleveland, OHFull record →
- 15.4 loans · $5M · Atlanta, GAFull record →
- 16.868 loans · $362M · Salt Lake City, UTFull record →
- 17.58 loans · $51M · Burlington, KYFull record →
- 18.16 loans · $21M · Las Vegas, NVFull record →
- 19.618 loans · $171M · Salt Lake City, UTFull record →
- 20.28 loans · $25M · Fresno, CAFull record →
- 21.42 loans · $19M · Louisville, KYFull record →
- 22.103 loans · $64M · Indiana, PAFull record →
- 23.22 loans · $20M · Little Rock, ARFull record →
- 24.27 loans · $28M · Oak Ridge, LAFull record →
- 25.3 loans · $2M · Woburn, MAFull record →
295+ funded Crumbl 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.
- TSF HOLDINGS LLC in Carmel, IN — $5.0M (2026) · purchase · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $3.8M (75%)
- Approved
- 3/2/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 85
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $5.6M
- Est. down payment (10%)
- $556K
- Est. cash at closing
- $769K
- Monthly payment
- $64,016
- Annual debt service
- $768K
- Cash flow needed (1.25×)
- $960K
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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- S&B Sweets LLC in League City, TX — $4.8M (2026) · Pathward National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $3.6M (75%)
- Approved
- 12/24/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 75
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Baked Goods Retailers
Funded by Pathward National Association · Lender record →
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- PRJ Management Denham Springs, LLC in Denham Springs, LA — $1.5M (2026) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.15% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approved
- 1/22/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 18
- Business age
- Change of Ownership
- Industry
- Baked Goods Retailers
If you were the buyer here
- Est. deal size
- $1.6M
- Est. down payment (10%)
- $162K
- Est. cash at closing
- $223K
- Monthly payment
- $17,842
- Annual debt service
- $214K
- Cash flow needed (1.25×)
- $268K
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 The Huntington National Bank · Lender record →
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- MD Strategies, LLC in Monroeville, PA — $1.4M (2026) · purchase · ConnectOne Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.1M (75%)
- Approval → funding
- 41 days
- Approved
- 12/24/2025
- First disbursed
- 2/3/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 38
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $1.6M
- Est. down payment (10%)
- $156K
- Est. cash at closing
- $213K
- Monthly payment
- $17,925
- Annual debt service
- $215K
- Cash flow needed (1.25×)
- $269K
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 ConnectOne Bank · Lender record →
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- Crumbl Anderson in Anderson, SC — $950K (2026) · purchase · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $713K (75%)
- Approval → funding
- 20 days
- Approved
- 1/28/2026
- First disbursed
- 2/17/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $106K
- Est. cash at closing
- $145K
- Monthly payment
- $11,401
- Annual debt service
- $137K
- Cash flow needed (1.25×)
- $171K
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 The Bancorp Bank National Association · Lender record →
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- CRUMBL - MILLENIA FL in Orlando, FL — $905K (2026) · purchase · Heritage Bank Inc
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $679K (75%)
- Approval → funding
- 28 days
- Approved
- 11/13/2025
- First disbursed
- 12/11/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Baked Goods Retailers
If you were the buyer here
- Est. deal size
- $1.0M
- Est. down payment (10%)
- $101K
- Est. cash at closing
- $138K
- Monthly payment
- $11,960
- Annual debt service
- $144K
- Cash flow needed (1.25×)
- $179K
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 Heritage Bank Inc · Lender record →
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- JAMB, LLC in Florence, AL — $851K (2026) · Cache Valley Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $638K (75%)
- Approved
- 3/25/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 24
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Retail Bakeries
Funded by Cache Valley Bank · Lender record →
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- Seekonk Cookies, LLC in Seekonk, MA — $800K (2026) · Heritage Bank Inc
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $600K (75%)
- Approved
- 1/8/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Baked Goods Retailers
Funded by Heritage Bank Inc · Lender record →
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- 2AM2 LLC in Linwood, MI — $400K (2026) · ChoiceOne Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8% fixed
- Term
- 126 months
- SBA guaranteed
- $300K (75%)
- Approval → funding
- 41 days
- Approved
- 11/18/2025
- First disbursed
- 12/29/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Baked Goods Retailers
Funded by ChoiceOne Bank · Lender record →
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- PRJ Management Denham Springs, LLC in Denham Springs, LA — $100K (2026) · purchase · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $50K (50%)
- Approved
- 1/22/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 18
- Business age
- Change of Ownership
- Industry
- Baked Goods Retailers
If you were the buyer here
- Est. deal size
- $111K
- Est. down payment (10%)
- $11K
- Est. cash at closing
- $14K
- Monthly payment
- $1,253
- Annual debt service
- $15K
- Cash flow needed (1.25×)
- $19K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- BLUEGRASS COOKIES LEXINGTON, LLC in Lexington, KY — $4.5M (2025) · purchase · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $3.4M (75%)
- Approval → funding
- 6 days
- Approved
- 8/13/2025
- First disbursed
- 8/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 80
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $5.0M
- Est. down payment (10%)
- $497K
- Est. cash at closing
- $687K
- Monthly payment
- $56,624
- Annual debt service
- $679K
- Cash flow needed (1.25×)
- $849K
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 Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
- Delicious Flavor LLC in Richmond, TX — $3.5M (2025) · Truliant FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.6M (75%)
- Approval → funding
- 68 days
- Approved
- 5/23/2025
- First disbursed
- 7/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 86
- Business age
- Existing or more than 2 years old
- Industry
- All Other Specialty Food Retailers
Funded by Truliant FCU · Lender record →
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- Crumbl St. Cloud MN in Minneapolis, MN — $3.0M (2025) · purchase · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.3M (75%)
- Approval → funding
- 30 days
- Approved
- 8/13/2025
- First disbursed
- 9/12/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 37
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $3.4M
- Est. down payment (10%)
- $338K
- Est. cash at closing
- $467K
- Monthly payment
- $39,806
- Annual debt service
- $478K
- Cash flow needed (1.25×)
- $597K
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 →
Your business? Claim this record · Request removal
- JEC Investments Inc in Cranberry Township, PA — $2.9M (2025) · purchase · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $2.2M (75%)
- Approved
- 9/9/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 104
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $3.2M
- Est. down payment (10%)
- $321K
- Est. cash at closing
- $443K
- Monthly payment
- $37,396
- Annual debt service
- $449K
- Cash flow needed (1.25×)
- $561K
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 National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
- Longview Pink Co, LLC in Longview, TX — $1.8M (2025) · purchase · T Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 119 months
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 13 days
- Approved
- 3/28/2025
- First disbursed
- 4/10/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 45
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $2.0M
- Est. down payment (10%)
- $197K
- Est. cash at closing
- $271K
- Monthly payment
- $23,818
- Annual debt service
- $286K
- Cash flow needed (1.25×)
- $357K
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 T Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- Crumbl - Laredo in Laredo, TX — $1.3M (2025) · purchase · HomeTrust Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $975K (75%)
- Approval → funding
- 3 days
- Approved
- 3/25/2025
- First disbursed
- 3/28/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Baked Goods Retailers
If you were the buyer here
- Est. deal size
- $1.4M
- Est. down payment (10%)
- $144K
- Est. cash at closing
- $198K
- Monthly payment
- $16,644
- Annual debt service
- $200K
- Cash flow needed (1.25×)
- $250K
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 HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
- Sweet Life LLC in Anchorage, AK — $1.3M (2025) · purchase · Lexicon Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $940K (75%)
- Approval → funding
- 49 days
- Approved
- 9/29/2025
- First disbursed
- 11/17/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 27
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $1.4M
- Est. down payment (10%)
- $139K
- Est. cash at closing
- $191K
- Monthly payment
- $15,872
- Annual debt service
- $190K
- Cash flow needed (1.25×)
- $238K
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 Lexicon Bank · Lender record →
Your business? Claim this record · Request removal
- B3 Capital Ventures LLC in Highland, UT — $1.2M (2025) · Grasshopper Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $900K (75%)
- Approval → funding
- 18 days
- Approved
- 9/12/2025
- First disbursed
- 9/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- New Business or 2 years or less
- Industry
- Retail Bakeries
Funded by Grasshopper Bank National Association · Lender record →
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- Mentor Sweet LLC in Mentor, OH — $909K (2025) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $681K (75%)
- Approval → funding
- 114 days
- Approved
- 5/7/2025
- First disbursed
- 8/29/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 70
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $1.0M
- Est. down payment (10%)
- $101K
- Est. cash at closing
- $138K
- Monthly payment
- $11,756
- Annual debt service
- $141K
- Cash flow needed (1.25×)
- $176K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Fab Four LLC in Upland, CA — $857K (2025) · purchase · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $643K (75%)
- Approval → funding
- 103 days
- Approved
- 4/10/2025
- First disbursed
- 7/22/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $952K
- Est. down payment (10%)
- $95K
- Est. cash at closing
- $131K
- Monthly payment
- $11,085
- Annual debt service
- $133K
- Cash flow needed (1.25×)
- $166K
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 Citizens Bank · Lender record →
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Buying a Crumbl? 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 Crumbl businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Crumbl 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.
- $473K typical Crumbl loan
- 0% failure rate (FY20–23)
- 88 lenders fund the brand
- 21 days typical to fund
Buyers researching a Crumbl 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 2026-06-17.
- 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.