Food & Restaurants · lender intelligence

How to finance a Scoops

State:

The SBA 7(a) lenders funding the most Scoops deals, ranked from public loan records — typical Scoops loan about $464K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Scoops

$464K

Typical loan

range $382K–$1.86M

$516K

Est. purchase price

≈ loan ÷ 90%

$68,956

Cash to close

$51,556 down + fees

$6,004/mo

Typical payment

~9.5% · 10yr

$82,855/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

29 days

Typical time to fund

Lenders competing

more = leverage

8.13%

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 Scoops

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

1.15 loans · $6M · Watkinsville, GAFull record →
2.44 loans · $52M · Wallis, TXFull record →
3.1,025 loans · $292M · Berkeley Heights, NJFull record →

4+ funded Scoops 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.

ASHRA LLC in Dalton, GA — $464K (2025) · Oconee State Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
123 months
SBA guaranteed
$348K (75%)
Approval → funding
46 days
Approved
5/15/2025
First disbursed
6/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
New Business or 2 years or less
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Oconee State Bank · Lender record →
Your business? Claim this record · Request removal
TriEs LLC in Fulshear, TX — $382K (2025) · Wallis Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
126 months
SBA guaranteed
$287K (75%)
Approval → funding
21 days
Approved
1/7/2025
First disbursed
1/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Wallis Bank · Lender record →
Your business? Claim this record · Request removal
Scoops Americus, LLC in Americus, GA — $350K (2023) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.78% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
29 days
Approved
5/11/2023
First disbursed
6/9/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
24
Business age
New Business or 2 years or less
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
Apple State Power Sports, LLC in Yakima, WA — $1.9M (2021) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.7M (90%)
Approved
9/23/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Existing or more than 2 years old
Industry
Motorcycle, ATV, and All Other Motor Vehicle Dealers
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal

Buying a Scoops? 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.

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Scoops businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Scoops 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. Oconee State Bank funds the most. CapBench is not a lender.

$464K typical Scoops loan
4 lenders fund the brand
29 days typical to fund

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