Retail & Shops · lender intelligence

How to finance a Great Harvest Bread Co.

State:

The SBA 7(a) lenders funding the most Great Harvest Bread Co. deals, ranked from public loan records — typical Great Harvest Bread Co. loan about $350K, 5.56% failure rate across 26 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Great Harvest Bread Co.

$350K

Typical loan

range $270K–$606K

$389K

Est. purchase price

≈ loan ÷ 90%

$52,014

Cash to close

$38,889 down + fees

$4,821/mo

Typical payment

~11% · 10yr

$66,530/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

13 days

Typical time to fund

Lenders competing

more = leverage

8.39%

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 Great Harvest Bread Co.

Ranked by funded Great Harvest Bread 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 →
2.9 loans · $5M · Wausau, WIFull record →
3.1,927 loans · $207M · Buffalo, NYFull record →
4.78 loans · $53M · Birmingham, ALFull record →
5.54 loans · $22M · Chubbuck, IDFull record →
6.25 loans · $5M · Whiting, INFull record →
7.7 loans · $4M · Lake Forest, ILFull record →
8.78 loans · $79M · New Orleans, LAFull record →
9.6 loans · $3M · Brooklyn, MIFull record →
10.7 loans · $13M · Anchorage, AKFull record →
11.1 loans · $1M · Lincoln, NEFull record →
12.2 loans · $0M · Boise, IDFull record →
13.4 loans · $3M · Saint Paul, MNFull record →
14.868 loans · $362M · Salt Lake City, UTFull record →
15.34 loans · $19M · Arden Hills, MNFull record →
16.1 loans · $0M · Union Star, MOFull record →
17.168 loans · $205M · Fishers, INFull record →
18.65 loans · $52M · Lancaster, PAFull record →
19.3 loans · $5M · Salt Lake City, UTFull record →

26+ funded Great Harvest Bread 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.

Doyle & Cherney LLC in Ann Arbor, MI — $296K (2026) · purchase · Bank Michigan
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$222K (75%)
Approval → funding
48 days
Approved
12/19/2025
First disbursed
2/5/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Change of Ownership
Industry
Baked Goods Retailers
If you were the buyer here
Est. deal size
$329K
Est. down payment (10%)
$33K
Est. cash at closing
$44K
Monthly payment
$3,871
Annual debt service
$46K
Cash flow needed (1.25×)
$58K
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 Bank Michigan · Lender record →
Your business? Claim this record · Request removal
The Daily Knead Corp. in Menomonee Falls, WI — $824K (2025) · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
126 months
SBA guaranteed
$618K (75%)
Approval → funding
11 days
Approved
7/7/2025
First disbursed
7/18/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
TripleSeven, LLC dba Great Harvest Wasilla in Wasilla, AK — $740K (2025) · Alaska Growth Capital BIDCO, Inc.
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$555K (75%)
Approved
3/25/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
24
Business age
Startup, Loan Funds will Open Business
Industry
Baked Goods Retailers
Funded by Alaska Growth Capital BIDCO, Inc. · Lender record →
Your business? Claim this record · Request removal
Parkway Foods Group, LLC in Huntsville, AL — $606K (2025) · purchase · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$455K (75%)
Approval → funding
4 days
Approved
1/13/2025
First disbursed
1/17/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Change of Ownership
Industry
Baked Goods Retailers
If you were the buyer here
Est. deal size
$673K
Est. down payment (10%)
$67K
Est. cash at closing
$90K
Monthly payment
$8,092
Annual debt service
$97K
Cash flow needed (1.25×)
$121K
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
MKD Holdings, Inc. in Bentonville, AR — $288K (2025) · First Security Bank
Program
7a General
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$216K (75%)
Approval → funding
4 days
Approved
2/21/2025
First disbursed
2/25/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Commercial Bakeries
Funded by First Security Bank · Lender record →
Your business? Claim this record · Request removal
Great Harvest Bread Co in Eau Claire, WI — $215K (2025) · Frandsen Bank and Trust
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$161K (75%)
Approval → funding
8 days
Approved
1/22/2025
First disbursed
1/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Baked Goods Retailers
Funded by Frandsen Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Bunny's Boise Bakery, LLC in Boise, ID — $592K (2024) · purchase · Idaho Trust Bank
Program
7a General
Rate at approval
9.35% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$444K (75%)
Approval → funding
11 days
Approved
9/19/2024
First disbursed
9/30/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
19
Business age
Change of Ownership
Industry
Snack and Nonalcoholic Beverage Bars
If you were the buyer here
Est. deal size
$658K
Est. down payment (10%)
$66K
Est. cash at closing
$88K
Monthly payment
$7,617
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 Idaho Trust Bank · Lender record →
Your business? Claim this record · Request removal
KKJM LLC in Evanston, IL — $370K (2024) · Lake Forest Bank & Trust Company, National Association
Program
Preferred Lenders Program
Rate at approval
8% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$278K (75%)
Approval → funding
19 days
Approved
5/23/2024
First disbursed
6/11/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
New Business or 2 years or less
Industry
Baked Goods Retailers
Funded by Lake Forest Bank & Trust Company, National Association · Lender record →
Your business? Claim this record · Request removal
RNT, LLC in Rockville, MD — $657K (2023) · Manufacturers and Traders Trust Company
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$493K (75%)
Approval → funding
33 days
Approved
6/30/2023
First disbursed
8/2/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
28
Business age
New Business or 2 years or less
Industry
Baked Goods Retailers
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
Fresh Bread Bakery & Cafes, LLC in Friendswood, TX — $615K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$461K (75%)
Approval → funding
2 days
Approved
5/3/2023
First disbursed
5/5/2023
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
26
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
Bread N Coffee Inc. in Temecula, CA — $563K (2023) · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$422K (75%)
Approval → funding
25 days
Approved
6/8/2023
First disbursed
7/3/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
Business age
New Business or 2 years or less
Industry
Retail Bakeries
Funded by First Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Wheat Grains, LLC in Crown Point, IN — $350K (2023) · Centier Bank
Program
7a General
Rate at approval
9.5% variable
Term
129 months
SBA guaranteed
$263K (75%)
Approval → funding
16 days
Approved
2/13/2023
First disbursed
3/1/2023
Loan status
Past due
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Startup, Loan Funds will Open Business
Industry
Retail Bakeries
Funded by Centier Bank · Lender record →
Your business? Claim this record · Request removal
Bread and Fruitee LLC in Saint Paul, MN — $194K (2023) · BankCherokee
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$145K (75%)
Approval → funding
22 days
Approved
8/21/2023
First disbursed
9/12/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Retail Bakeries
Funded by BankCherokee · Lender record →
Your business? Claim this record · Request removal
RNT, LLC in Rockville, MD — $50K (2023) · Manufacturers and Traders Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
12.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
12 days
Approved
6/30/2023
First disbursed
7/12/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
28
Business age
New Business or 2 years or less
Industry
Baked Goods Retailers
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
Fresh Bread Bakery & Cafes, LLC in Friendswood, TX — $25K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
35 days
Approved
5/3/2023
First disbursed
6/7/2023
Loan status
Delinquent
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
26
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
Dodson Bakery Corporation in North Carleston, SC — $786K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
96 mo (8 yrs)
SBA guaranteed
$589K (75%)
Approval → funding
6 days
Approved
2/22/2022
First disbursed
2/28/2022
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
54
Business age
Startup, Loan Funds will Open Business
Industry
Baked Goods Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Weirdough, LLC in Lehi, UT — $345K (2022) · Redemption Bank
Program
7a General
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$259K (75%)
Approval → funding
25 days
Approved
1/6/2022
First disbursed
1/31/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Redemption Bank · Lender record →
Your business? Claim this record · Request removal
Lifted Loaves LLC in Greenville, SC — $291K (2022) · Pinnacle Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$218K (75%)
Approval → funding
8 days
Approved
8/15/2022
First disbursed
8/23/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Existing or more than 2 years old
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
KellX5 LLC in Greenwood Village, CO — $50K (2022) · IncredibleBank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.25% variable
Term
84 mo (7 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
9 days
Approved
11/9/2021
First disbursed
11/18/2021
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
18
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by IncredibleBank · Lender record →
Your business? Claim this record · Request removal
Dodson Bakery Corporation in North Carleston, SC — $50K (2022) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
13 days
Approved
2/22/2022
First disbursed
3/7/2022
Loan status
Delinquent
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
54
Business age
Startup, Loan Funds will Open Business
Industry
Baked Goods Retailers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Great Harvest Bread 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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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

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

Agent summary

How to finance a Great Harvest Bread 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.

$350K typical Great Harvest Bread Co. loan
5.56% failure rate (FY20–23)
20 lenders fund the brand
13 days typical to fund

Buyers researching a Great Harvest Bread 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 Great Harvest Bread Co. record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-21.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/great-harvest-bread-co
API:: https://www.capbench.com/api/public/lenders?franchise=great-harvest-bread-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.