Food & Restaurants · lender intelligence

How to finance a KolacheFactory in Texas

State:

The SBA 7(a) lenders funding the most KolacheFactory deals in Texas, from public loan records — typical KolacheFactory loan about $400K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance KolacheFactory in Texas

$340K

Typical loan

range $276K–$650K

$378K

Est. purchase price

≈ loan ÷ 90%

$50,558

Cash to close

$37,800 down + fees

$4,686/mo

Typical payment

~11% · 10yr

$64,667/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

10 days

Typical time to fund

Lenders competing

more = leverage

5.88%

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 in Texas

Ranked by funded KolacheFactory loans in Texas. Tap a lender for 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 →

7+ funded KolacheFactory 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.

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
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 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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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 KolacheFactory loans with a Texas project address. Mega-bank call-center lenders excluded.

Agent summary

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

$400K typical KolacheFactory loan
6 lenders active in Texas
7+ funded Texas deals
10 days typical to fund

Buyers buying a KolacheFactory 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.

Next steps

Pre-qualify this deal Talk to a loan broker All KolacheFactory lenders

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/texas
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.