Food & Restaurants · lender intelligence
How to finance a Manhattan Bagel
The SBA 7(a) lenders funding the most Manhattan Bagel deals, ranked from public loan records — typical Manhattan Bagel loan about $350K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Manhattan Bagel
$350K
Typical loan
range $300K–$360K
$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
25 days
Typical time to fund
3
Lenders competing
more = leverage
7.1%
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 Manhattan Bagel
Ranked by funded Manhattan Bagel loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.31 loans · $39M · Conshohocken, PAFull record →
- 2.2 loans · $1M · Bound Brook, NJFull record →
- 3.32 loans · $21M · Souderton, PAFull record →
5+ funded Manhattan Bagel 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.
- LANSDALE MB LLC in Lansdale, PA — $350K (2025) · Univest Bank and Trust Co
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 25 days
- Approved
- 8/15/2025
- First disbursed
- 9/9/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 25
- Business age
- Existing or more than 2 years old
- Industry
- Full-Service Restaurants
Funded by Univest Bank and Trust Co · Lender record →
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- AJ&M Bagels, LLC in Flemington, NJ — $300K (2023) · Somerset Regal Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 123 months
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 3 days
- Approved
- 5/23/2023
- First disbursed
- 5/26/2023
- Loan status
- Paid in full (10/31/2024)
- 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 Somerset Regal Bank · Lender record →
Your business? Claim this record · Request removal
- AJ&M Bagels, LLC in Hillsborough, NJ — $380K (2021) · Somerset Regal Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 123 months
- SBA guaranteed
- $342K (90%)
- Approved
- 8/19/2021
- Loan status
- Cancelled
- 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 Somerset Regal Bank · Lender record →
Your business? Claim this record · Request removal
- PDP LLC in Langhorne, PA — $360K (2021) · Firstrust Savings Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $324K (90%)
- Approval → funding
- 10 days
- Approved
- 3/1/2021
- First disbursed
- 3/11/2021
- Loan status
- Paid in full (3/31/2024)
- 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 Firstrust Savings Bank · Lender record →
Your business? Claim this record · Request removal
- PDP LLC in Langhorne, PA — $50K (2021) · Firstrust Savings Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $38K (75%)
- Approval → funding
- 30 days
- Approved
- 3/1/2021
- First disbursed
- 3/31/2021
- Loan status
- Paid in full (10/31/2023)
- 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 Firstrust Savings Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Manhattan Bagel? 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Manhattan Bagel businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Manhattan Bagel 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. Firstrust Savings Bank funds the most. CapBench is not a lender.
- $350K typical Manhattan Bagel loan
- 3 lenders fund the brand
- 25 days typical to fund
Buyers researching a Manhattan Bagel 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.