Food & Restaurants · lender intelligence

How to finance a KolacheFactory

State:

The SBA 7(a) lenders funding the most KolacheFactory deals, ranked from public loan records — typical KolacheFactory loan about $400K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance KolacheFactory

$400K

Typical loan

range $315K–$598K

$444K

Est. purchase price

≈ loan ÷ 90%

$59,444

Cash to close

$44,444 down + fees

$5,176/mo

Typical payment

~9.5% · 10yr

$71,429/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

14 days

Typical time to fund

Lenders competing

more = leverage

5.99%

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 KolacheFactory

Ranked by funded KolacheFactory loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.274 loans · $315M · Los Angeles, CAFull record →
2.39 loans · $31M · Duluth, GAFull record →
3.9 loans · $24M · Houston, TXFull record →
4.2,539 loans · $965M · Columbus, OHFull record →
5.2 loans · $0M · Pine Bluff, ARFull record →

9+ funded KolacheFactory 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.

Kodako Inc in Plano, TX — $276K (2025) · Global One Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$207K (75%)
Approval → funding
14 days
Approved
9/17/2025
First disbursed
10/1/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Global One Bank · Lender record →
Your business? Claim this record · Request removal
Tandem Synergy LLC in Pearland, TX — $808K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
132 mo (11 yrs)
SBA guaranteed
$606K (75%)
Approval → funding
20 days
Approved
5/13/2022
First disbursed
6/2/2022
Loan status
Paid in full (12/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
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
B&R Bakery, LLC in Missouri City, TX — $400K (2022) · Lone Star Bank
Program
Preferred Lenders Program
Rate at approval
4.875% variable
Term
126 months
SBA guaranteed
$300K (75%)
Approval → funding
78 days
Approved
3/15/2022
First disbursed
6/1/2022
Loan status
Paid in full (6/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Lone Star Bank
Your business? Claim this record · Request removal
Richkoko Inc in Richardson, TX — $315K (2022) · purchase · Bank of Hope
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$236K (75%)
Approval → funding
10 days
Approved
4/8/2022
First disbursed
4/18/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
Change of Ownership
Industry
Baked Goods Retailers
If you were the buyer here
Est. deal size
$350K
Est. down payment (10%)
$35K
Est. cash at closing
$47K
Monthly payment
$3,419
Annual debt service
$41K
Cash flow needed (1.25×)
$51K
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 of Hope · Lender record →
Your business? Claim this record · Request removal
Komuko Inc in Murphy, TX — $171K (2022) · purchase · Bank of Hope
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$128K (75%)
Approval → funding
10 days
Approved
4/8/2022
First disbursed
4/18/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
Change of Ownership
Industry
Baked Goods Retailers
If you were the buyer here
Est. deal size
$190K
Est. down payment (10%)
$19K
Est. cash at closing
$25K
Monthly payment
$1,856
Annual debt service
$22K
Cash flow needed (1.25×)
$28K
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 of Hope · Lender record →
Your business? Claim this record · Request removal
RAJRAJESHWARI-ADAAA FOODS, LLC in Pasadena, TX — $650K (2021) · PromiseOne Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$585K (90%)
Approval → funding
7 days
Approved
4/16/2021
First disbursed
4/23/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by PromiseOne Bank · Lender record →
Your business? Claim this record · Request removal
T K Foods Inc. in Huntington Beach, CA — $598K (2021) · California Business Bank
Program
7a General
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$448K (75%)
Approval → funding
654 days
Approved
12/15/2020
First disbursed
9/30/2022
Loan status
Paid in full (6/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
All Other Specialty Food Stores
Funded by California Business Bank
Your business? Claim this record · Request removal
LAN Haywood, Inc. in Carmel, IN — $542K (2020) · Simmons Bank
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$407K (75%)
Approval → funding
73 days
Approved
11/19/2019
First disbursed
1/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Simmons Bank · Lender record →
Your business? Claim this record · Request removal
BeePal Bakery LLC in Missouri City, TX — $340K (2020) · JPMorgan Chase Bank, National Association
Program
Preferred Lenders Program
Rate at approval
6% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$255K (75%)
Approval → funding
2 days
Approved
10/29/2019
First disbursed
10/31/2019
Loan status
Paid in full (12/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by JPMorgan Chase Bank, National Association · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a KolacheFactory 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. Bank of Hope funds the most. CapBench is not a lender.

$400K typical KolacheFactory loan
8 lenders fund the brand
14 days typical to fund

Buyers researching a KolacheFactory 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 KolacheFactory 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/kolachefactory
API:: https://www.capbench.com/api/public/lenders?franchise=kolachefactory
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.