Food & Restaurants · lender intelligence
How to finance a Crumbl in Texas
The SBA 7(a) lenders funding the most Crumbl deals in Texas, from public loan records — typical Crumbl loan about $473K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Crumbl in Texas
$398K
Typical loan
range $349K–$595K
$442K
Est. purchase price
≈ loan ÷ 90%
$59,147
Cash to close
$44,222 down + fees
$5,150/mo
Typical payment
~9.5% · 10yr
$71,070/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
100.0%
Still performing
0% default · FY20–23
20 days
Typical time to fund
21
Lenders competing
more = leverage
7.23%
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 Crumbl in Texas
Ranked by funded Crumbl loans in Texas. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.60 loans · $40M · Clayton, MOFull record →
- 2.618 loans · $171M · Salt Lake City, UTFull record →
- 3.2,539 loans · $965M · Columbus, OHFull record →
- 4.20 loans · $8M · Saint Petersburg, FLFull record →
- 5.54 loans · $15M · University Park, TXFull record →
- 6.66 loans · $68M · Milford, IAFull record →
- 7.149 loans · $135M · Mukwonago, WIFull record →
- 8.34 loans · $57M · Charlotte, NCFull record →
- 9.22 loans · $33M · Dallas, TXFull record →
- 10.58 loans · $51M · Burlington, KYFull record →
- 11.4 loans · $1M · Avilla, INFull record →
- 12.138 loans · $276M · Sioux Falls, SDFull record →
- 13.46 loans · $47M · Asheville, NCFull record →
- 14.53 loans · $101M · Dallas, TXFull record →
- 15.57 loans · $74M · Winston-Salem, NCFull record →
- 16.2 loans · $0M · Pine Bluff, ARFull record →
- 17.168 loans · $205M · Fishers, INFull record →
- 18.2 loans · $0M · Ogden, UTFull record →
- 19.868 loans · $362M · Salt Lake City, UTFull record →
32+ funded Crumbl in Texas 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.
- 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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- 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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- 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 →
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- 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
- PHILLIP'S COOKIE CREATIONS, LLC in Humble, TX — $2.1M (2024) · purchase · United Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.6M (75%)
- Approval → funding
- 10 days
- Approved
- 12/10/2023
- First disbursed
- 12/20/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 61
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $2.3M
- Est. down payment (10%)
- $233K
- Est. cash at closing
- $321K
- Monthly payment
- $26,602
- Annual debt service
- $319K
- Cash flow needed (1.25×)
- $399K
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 United Community Bank · Lender record →
Your business? Claim this record · Request removal
- FM Goods Castle Hills LLC in Flower Mound, TX — $995K (2024) · Community State Bank
- Program
- 7a General
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $746K (75%)
- Approval → funding
- 54 days
- Approved
- 5/14/2024
- First disbursed
- 7/7/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 56
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Community State Bank · Lender record →
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- Crumbl of Prosper in Prosper, TX — $595K (2023) · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $446K (75%)
- Approval → funding
- 166 days
- Approved
- 9/20/2023
- First disbursed
- 3/4/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 100
- Business age
- New Business or 2 years or less
- Industry
- Retail Bakeries
Funded by First Internet Bank of Indiana · Lender record →
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- SSA Arlington North, LLC in Arlington, TX — $570K (2023) · Texas Capital Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 126 months
- SBA guaranteed
- $428K (75%)
- Approval → funding
- 0 days
- Approved
- 2/27/2023
- First disbursed
- 2/27/2023
- Loan status
- Paid in full (3/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 33
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Baked Goods Retailers
Funded by Texas Capital Bank · Lender record →
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- H&B West Texas Enterprises LLC in Lubbock, TX — $474K (2023) · JPMorgan Chase Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.51% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $356K (75%)
- Approval → funding
- 10 days
- Approved
- 9/16/2023
- First disbursed
- 9/26/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 120
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Retail Bakeries
Funded by JPMorgan Chase Bank, National Association · Lender record →
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- The Cookie Guys LLC in Victoria, TX — $462K (2023) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 124 months
- SBA guaranteed
- $346K (75%)
- Approval → funding
- 13 days
- Approved
- 7/20/2023
- First disbursed
- 8/2/2023
- Loan status
- Paid in full (11/30/2025)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 83
- Business age
- New Business or 2 years or less
- Industry
- Retail Bakeries
Funded by Citizens Bank · Lender record →
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- Delicious Dimensions LLC in Georgetown, TX — $350K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 18 days
- Approved
- 4/17/2023
- First disbursed
- 5/5/2023
- Loan status
- Paid in full (8/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- Retail Bakeries
Funded by The Huntington National Bank · Lender record →
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- BradPhil Corp. in Burleson, TX — $100K (2023) · Heritage Bank Inc
- Program
- 7a General
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $85K (85%)
- Approval → funding
- 20 days
- Approved
- 3/9/2023
- First disbursed
- 3/29/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 55
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Heritage Bank Inc · Lender record →
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- Vozzby Kasvataan of Frisco, LLC in Frisco, TX — $619K (2022) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 123 months
- SBA guaranteed
- $464K (75%)
- Approval → funding
- 3 days
- Approved
- 9/20/2022
- First disbursed
- 9/23/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 50
- Business age
- New Business or 2 years or less
- Industry
- Baked Goods Retailers
Funded by BayFirst National Bank · Lender record →
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- FM Goods Flower Mound LLC in Flower Mound, TX — $349K (2022) · PlainsCapital Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $262K (75%)
- Approval → funding
- 18 days
- Approved
- 1/13/2022
- First disbursed
- 1/31/2022
- Loan status
- Paid in full (6/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 103
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by PlainsCapital Bank · Lender record →
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- BradPhil Corp. in Fort Worth, TX — $349K (2022) · Zions Bank, A Division of
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% fixed
- Term
- 124 months
- SBA guaranteed
- $262K (75%)
- Approval → funding
- 5 days
- Approved
- 3/3/2022
- First disbursed
- 3/8/2022
- Loan status
- Paid in full (1/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Zions Bank, A Division of · Lender record →
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- Delicious Dimensions LLC in Austin, TX — $334K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $251K (75%)
- Approval → funding
- 26 days
- Approved
- 6/2/2022
- First disbursed
- 6/28/2022
- Loan status
- Paid in full (8/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 52
- Business age
- Existing or more than 2 years old
- Industry
- Retail Bakeries
Funded by The Huntington National Bank · Lender record →
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- Delicious Dimensions LLC in Bee Cave, TX — $248K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $186K (75%)
- Approval → funding
- 21 days
- Approved
- 11/9/2021
- First disbursed
- 11/30/2021
- Loan status
- Paid in full (8/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 60
- Business age
- New Business or 2 years or less
- Industry
- Retail Bakeries
Funded by The Huntington National Bank · Lender record →
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- Flour Power of Texas LLC in Conroe, TX — $465K (2021) · United Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 126 months
- SBA guaranteed
- $419K (90%)
- Approval → funding
- 9 days
- Approved
- 6/21/2021
- First disbursed
- 6/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 32
- 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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- 14 Six of Addison LLC in Dallas, TX — $450K (2021) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 126 months
- SBA guaranteed
- $405K (90%)
- Approval → funding
- 103 days
- Approved
- 3/20/2021
- First disbursed
- 7/1/2021
- Loan status
- Paid in full (4/30/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
- Crumbl Cookies in Longview, TX — $432K (2021) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 123 months
- SBA guaranteed
- $389K (90%)
- Approval → funding
- 14 days
- Approved
- 9/16/2021
- First disbursed
- 9/30/2021
- Loan status
- Paid in full (4/30/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 90
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Baked Goods Stores
Funded by Celtic Bank Corporation · Lender record →
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Buying a Crumbl in Texas? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — 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 Crumbl loans with a Texas project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Crumbl purchase in Texas with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Texas deals. Midwest Regional Bank funds the most here. CapBench is not a lender.
- $473K typical Crumbl loan
- 21 lenders active in Texas
- 32+ funded Texas deals
- 20 days typical to fund
Buyers buying a Crumbl in Texas typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-20.
- 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.