Food & Restaurants · lender intelligence
How to finance a Philly Pretzel Factory
The SBA 7(a) lenders funding the most Philly Pretzel Factory deals, ranked from public loan records — typical Philly Pretzel Factory loan about $258K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Philly Pretzel Factory
$258K
Typical loan
range $94K–$350K
$287K
Est. purchase price
≈ loan ÷ 90%
$38,328
Cash to close
$28,656 down + fees
$3,553/mo
Typical payment
~11% · 10yr
$49,031/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
31 days
Typical time to fund
14
Lenders competing
more = leverage
8.79%
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 Philly Pretzel Factory
Ranked by funded Philly Pretzel Factory 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 →
- 2.70 loans · $22M · Melrose, MNFull record →
- 3.1,322 loans · $185M · Wilmington, DEFull record →
- 4.149 loans · $135M · Mukwonago, WIFull record →
- 5.9 loans · $10M · Garden City Park, NYFull record →
- 6.318 loans · $229M · Osage Beach, MOFull record →
- 7.57 loans · $74M · Winston-Salem, NCFull record →
- 8.575 loans · $220M · De Graff, OHFull record →
- 9.33 loans · $15M · Minneapolis, MNFull record →
- 10.9 loans · $6M · Omaha, NEFull record →
- 11.13 loans · $4M · Dunmore, PAFull record →
- 12.2 loans · $1M · Bound Brook, NJFull record →
- 13.31 loans · $39M · Conshohocken, PAFull record →
23+ funded Philly Pretzel Factory 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.
- Evermore Pretzels Inc in Moorestown, NJ — $366K (2026) · Truliant FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $275K (75%)
- Approval → funding
- 64 days
- Approved
- 11/17/2025
- First disbursed
- 1/20/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Existing or more than 2 years old
- Industry
- Retail Bakeries
Funded by Truliant FCU · Lender record →
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- TopRock LLC in Myrtle Beach, SC — $350K (2026) · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 123 months
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 21 days
- Approved
- 1/9/2026
- First disbursed
- 1/30/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Magnifi Financial CU · Lender record →
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- LOVATO, INC. in Attleboro, MA — $350K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 14 days
- Approved
- 1/28/2026
- First disbursed
- 2/11/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- MK Pretzels LLC in Philadelphia, PA — $325K (2026) · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 123 months
- SBA guaranteed
- $244K (75%)
- Approval → funding
- 28 days
- Approved
- 1/30/2026
- First disbursed
- 2/27/2026
- Loan status
- Current
- 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 Magnifi Financial CU · Lender record →
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- Beachside Pretzels LLC in Cocoa Beach, FL — $301K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $226K (75%)
- Approved
- 2/18/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- LOVATO, INC. in Attleboro, MA — $50K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approved
- 1/28/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- Beachside Pretzels LLC in Cocoa Beach, FL — $30K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $15K (50%)
- Approved
- 2/18/2026
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
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- Salty Pigs LLC in Doylestown, PA — $471K (2025) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 124 months
- SBA guaranteed
- $353K (75%)
- Approval → funding
- 314 days
- Approved
- 4/10/2025
- First disbursed
- 2/18/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
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- PPF MCHALE LLC in Scranton, PA — $150K (2025) · purchase · Fidelity Deposit and Discount Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 6 days
- Approved
- 1/24/2025
- First disbursed
- 1/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $167K
- Est. down payment (10%)
- $17K
- Est. cash at closing
- $21K
- Monthly payment
- $1,941
- Annual debt service
- $23K
- Cash flow needed (1.25×)
- $29K
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 Fidelity Deposit and Discount Bank · Lender record →
Your business? Claim this record · Request removal
- Cruz Family Pretzels Inc. in Glenside, PA — $25K (2025) · TD Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 58 days
- Approved
- 4/4/2025
- First disbursed
- 6/1/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by TD Bank, National Association · Lender record →
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- JWJB LLC in Allentown, PA — $406K (2024) · Hanover Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $304K (75%)
- Approval → funding
- 26 days
- Approved
- 1/6/2024
- First disbursed
- 2/1/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- New Business or 2 years or less
- Industry
- Baked Goods Retailers
Funded by Hanover Community Bank · Lender record →
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- Pretzel Plug LLC in Middletown, DE — $258K (2024) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 126 months
- SBA guaranteed
- $193K (75%)
- Approval → funding
- 31 days
- Approved
- 5/24/2024
- First disbursed
- 6/24/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by First Bank of the Lake · Lender record →
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- JWJB LLC in Allentown, PA — $94K (2024) · Hanover Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $71K (75%)
- Approval → funding
- 5 days
- Approved
- 3/22/2024
- First disbursed
- 3/27/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Baked Goods Retailers
Funded by Hanover Community Bank · Lender record →
Your business? Claim this record · Request removal
- Philly Pretzel Factory - Whitehall/IronPigs in Whitehall, PA — $268K (2023) · purchase · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $201K (75%)
- Approval → funding
- 19 days
- Approved
- 4/20/2023
- First disbursed
- 5/9/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Change of Ownership
- Industry
- Baked Goods Retailers
If you were the buyer here
- Est. deal size
- $298K
- Est. down payment (10%)
- $30K
- Est. cash at closing
- $40K
- Monthly payment
- $3,654
- Annual debt service
- $44K
- Cash flow needed (1.25×)
- $55K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Greensburg Pretzel People LLC in Rochester, PA — $45K (2023) · Enterprise Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $38K (85%)
- Approval → funding
- 5 days
- Approved
- 9/16/2023
- First disbursed
- 9/21/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 24
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Enterprise Bank · Lender record →
Your business? Claim this record · Request removal
- 3rd Street Pretzels LLC in Philadelphia, PA — $820K (2022) · Firstrust Savings Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $615K (75%)
- Approval → funding
- 54 days
- Approved
- 1/13/2022
- First disbursed
- 3/8/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- 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
- Patriot Vodka LLC in Morristown, NJ — $130K (2022) · purchase · Somerset Regal Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $111K (85%)
- Approval → funding
- 70 days
- Approved
- 12/15/2021
- First disbursed
- 2/23/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Baked Goods Stores
If you were the buyer here
- Est. deal size
- $144K
- Est. down payment (10%)
- $14K
- Est. cash at closing
- $19K
- Monthly payment
- $1,395
- Annual debt service
- $17K
- Cash flow needed (1.25×)
- $21K
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 Somerset Regal Bank · Lender record →
Your business? Claim this record · Request removal
- A&T DeSalis Pretzel, LLC in Easton, PA — $242K (2021) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $218K (90%)
- Approval → funding
- 15 days
- Approved
- 8/16/2021
- First disbursed
- 8/31/2021
- Loan status
- Paid in full (10/31/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- Just Jewels LLC dba Philly Pretzel Factory in Philadelphia, PA — $556K (2020) · purchase · CRF Small Business Loan Company, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $417K (75%)
- Approval → funding
- 12 days
- Approved
- 9/18/2020
- First disbursed
- 9/30/2020
- Loan status
- Paid in full (12/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 11
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $618K
- Est. down payment (10%)
- $62K
- Est. cash at closing
- $83K
- Monthly payment
- $6,173
- Annual debt service
- $74K
- Cash flow needed (1.25×)
- $93K
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 CRF Small Business Loan Company, LLC · Lender record →
Your business? Claim this record · Request removal
- Pretzel Baron, LLC in Manheim, PA — $300K (2020) · Blue Ridge Bank National Association
- Program
- 7a General
- Rate at approval
- 7.5% variable
- Term
- 126 months
- SBA guaranteed
- $225K (75%)
- Approval → funding
- 125 days
- Approved
- 2/26/2020
- First disbursed
- 6/30/2020
- Loan status
- Paid in full (12/31/2023)
- 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
- Snack and Nonalcoholic Beverage Bars
Funded by Blue Ridge Bank National Association
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Buying a Philly Pretzel Factory? 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 Philly Pretzel Factory businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Philly Pretzel Factory 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.
- $258K typical Philly Pretzel Factory loan
- 14 lenders fund the brand
- 31 days typical to fund
Buyers researching a Philly Pretzel Factory 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.