Food & Restaurants · lender intelligence
How to finance a Paris Baguette
The SBA 7(a) lenders funding the most Paris Baguette deals, ranked from public loan records — typical Paris Baguette loan about $1.3M, 0% failure rate across 112 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Paris Baguette
$1.29M
Typical loan
range $572K–$1.63M
$1.43M
Est. purchase price
≈ loan ÷ 90%
$196,607
Cash to close
$143,378 down + fees
$16,697/mo
Typical payment
~9.5% · 10yr
$230,419/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
100.0%
Still performing
0% default · FY20–23
25 days
Typical time to fund
47
Lenders competing
more = leverage
8.96%
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 Paris Baguette
Ranked by funded Paris Baguette loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.868 loans · $362M · Salt Lake City, UTFull record →
- 2.2,539 loans · $965M · Columbus, OHFull record →
- 3.83 loans · $143M · Los Angeles, CAFull record →
- 4.274 loans · $315M · Los Angeles, CAFull record →
- 5.159 loans · $307M · Garden Grove, CAFull record →
- 6.242 loans · $281M · Chicago, ILFull record →
- 7.85 loans · $148M · Los Angeles, CAFull record →
- 8.1,025 loans · $292M · Berkeley Heights, NJFull record →
- 9.105 loans · $164M · Brookline, MAFull record →
- 10.318 loans · $229M · Osage Beach, MOFull record →
- 11.3,264 loans · $846M · Miami, FLFull record →
- 12.101 loans · $81M · Pasadena, CAFull record →
- 13.9 loans · $2M · Reston, VAFull record →
- 14.15 loans · $15M · Houston, MOFull record →
- 15.12 loans · $5M · Fargo, NDFull record →
- 16.18 loans · $20M · Fort Lee, NJFull record →
- 17.78 loans · $79M · New Orleans, LAFull record →
- 18.139 loans · $102M · Los Angeles, CAFull record →
- 19.284 loans · $254M · Cincinnati, OHFull record →
- 20.58 loans · $53M · New York, NYFull record →
- 21.75 loans · $98M · Sioux Falls, SDFull record →
- 22.149 loans · $135M · Mukwonago, WIFull record →
- 23.66 loans · $68M · Milford, IAFull record →
- 24.129 loans · $234M · New York, NYFull record →
- 25.2 loans · $3M · Coldwater, MIFull record →
112+ funded Paris Baguette 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.
- Jupiter Foods LLC in Indian Land, SC — $2.1M (2026) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 127 months
- SBA guaranteed
- $1.6M (75%)
- Approved
- 2/9/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Celtic Bank Corporation · Lender record →
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- Daily Bread 633 Inc in Mckinney, TX — $1.9M (2026) · Community Bank & Trust-West Georgia
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approved
- 2/24/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Community Bank & Trust-West Georgia
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- PARIS BAGUETTE in Plantation, FL — $1.9M (2026) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approval → funding
- 18 days
- Approved
- 11/14/2025
- First disbursed
- 12/2/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 34
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by First Bank of the Lake · Lender record →
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- PB Columbia Heights LLC in Washington, DC — $1.9M (2026) · Community Bank & Trust-West Georgia
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.4M (75%)
- Approved
- 2/12/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 28
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Community Bank & Trust-West Georgia
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- C Fam LLC in Federal Way, WA — $1.9M (2026) · Beacon Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 129 months
- SBA guaranteed
- $1.4M (75%)
- Approval → funding
- 28 days
- Approved
- 1/2/2026
- First disbursed
- 1/30/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Beacon Bank and Trust · Lender record →
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- PB Crystal City LLC in Arlington, VA — $1.8M (2026) · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 126 months
- SBA guaranteed
- $1.4M (75%)
- Approved
- 1/28/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- Business age
- New Business or 2 years or less
- Industry
- Baked Goods Retailers
Funded by SouthState Bank, National Association · Lender record →
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- May 24 Bell LLC in Bellingham, MA — $1.5M (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $1.2M (75%)
- Approval → funding
- 13 days
- Approved
- 1/16/2026
- First disbursed
- 1/29/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
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- JP Paris, LLC in Annapolis, MD — $1.4M (2026) · ConnectOne Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 123 months
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 58 days
- Approved
- 11/17/2025
- First disbursed
- 1/14/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 27
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by ConnectOne Bank · Lender record →
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- MJ21 LLC in San Jose, CA — $1.4M (2026) · purchase · JPMorgan Chase Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 17 days
- Approved
- 12/29/2025
- First disbursed
- 1/15/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Change of Ownership
- Industry
- Baked Goods Retailers
If you were the buyer here
- Est. deal size
- $1.5M
- Est. down payment (10%)
- $152K
- Est. cash at closing
- $208K
- Monthly payment
- $16,025
- Annual debt service
- $192K
- Cash flow needed (1.25×)
- $240K
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 JPMorgan Chase Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- DHP Holdings LLC in Fredericksburg, VA — $1.2M (2026) · New Millennium Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $900K (75%)
- Approval → funding
- 34 days
- Approved
- 1/23/2026
- First disbursed
- 2/26/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 40
- Business age
- New Business or 2 years or less
- Industry
- Baked Goods Retailers
Funded by New Millennium Bank · Lender record →
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- CARE 4 NEEDY LLC in Seattle, WA — $1.1M (2026) · Southwestern National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 126 months
- SBA guaranteed
- $818K (75%)
- Approved
- 1/27/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Retail Bakeries
Funded by Southwestern National Bank · Lender record →
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- J&H Bake House Inc in Woodland Hills, CA — $1.1M (2026) · Bank of Hope
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $815K (75%)
- Approved
- 2/20/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Bank of Hope · Lender record →
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- EMG PBEPT, LLC in El Paso, TX — $990K (2026) · VelocitySBA, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 128 months
- SBA guaranteed
- $743K (75%)
- Approved
- 1/28/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by VelocitySBA, LLC · Lender record →
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- French Concepts LLC in Mckinney, TX — $945K (2026) · Community Bank & Trust-West Georgia
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 126 months
- SBA guaranteed
- $709K (75%)
- Approval → funding
- 8 days
- Approved
- 12/15/2025
- First disbursed
- 12/23/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 22
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Community Bank & Trust-West Georgia
Your business? Claim this record · Request removal
- AdriRoza Holdings, Inc in West Covina, CA — $941K (2026) · purchase · PCB Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $706K (75%)
- Approved
- 2/13/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 23
- Business age
- Change of Ownership
- Industry
- Baked Goods Retailers
If you were the buyer here
- Est. deal size
- $1.0M
- Est. down payment (10%)
- $105K
- Est. cash at closing
- $143K
- Monthly payment
- $11,667
- Annual debt service
- $140K
- Cash flow needed (1.25×)
- $175K
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 PCB Bank · Lender record →
Your business? Claim this record · Request removal
- Wow Bakery & Cafes LLC in Phoenix, AZ — $350K (2026) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 10.49% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 33 days
- Approved
- 11/13/2025
- First disbursed
- 12/16/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Retail Bakeries
Funded by Live Oak Banking Company · Lender record →
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- Paris Baguette in Ashburn, VA — $260K (2026) · US Metro Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $195K (75%)
- Approval → funding
- 6 days
- Approved
- 11/13/2025
- First disbursed
- 11/19/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 35
- Business age
- Existing or more than 2 years old
- Industry
- Baked Goods Retailers
Funded by US Metro Bank · Lender record →
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- Good Three Birds, Inc in West Covina, CA — $250K (2026) · Bank of Hope
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.5% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $125K (50%)
- Approval → funding
- 22 days
- Approved
- 11/18/2025
- First disbursed
- 12/10/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- Existing or more than 2 years old
- Industry
- Retail Bakeries
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
- May 24 Bell LLC in Bellingham, MA — $50K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 1/16/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 12
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- MAASSK Hospitality LLC in Flower Mound, TX — $2.6M (2025) · Hancock Whitney Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 309 months
- SBA guaranteed
- $1.9M (75%)
- Approval → funding
- 21 days
- Approved
- 2/18/2025
- First disbursed
- 3/11/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Retail Bakeries
Funded by Hancock Whitney Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Paris Baguette? Start with a lender that has funded the brand
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Paris Baguette businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Paris Baguette 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. Celtic Bank Corporation funds the most. CapBench is not a lender.
- $1.3M typical Paris Baguette loan
- 0% failure rate (FY20–23)
- 47 lenders fund the brand
- 25 days typical to fund
Buyers researching a Paris Baguette 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 2026-06-22.
- 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.