Food & Restaurants · lender intelligence

How to finance a Shipley Do-Nut in Texas

State:

The SBA 7(a) lenders funding the most Shipley Do-Nut deals in Texas, from public loan records — typical Shipley Do-Nut loan about $646K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Shipley Do-Nut in Texas

$555K

Typical loan

range $401K–$673K

$617K

Est. purchase price

≈ loan ÷ 90%

$82,480

Cash to close

$61,667 down + fees

$7,182/mo

Typical payment

~9.5% · 10yr

$99,112/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

35 days

Typical time to fund

Lenders competing

more = leverage

7.81%

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 Shipley Do-Nut in Texas

Ranked by funded Shipley Do-Nut loans in Texas. Tap a lender for its full record, or hit Get in touch for an introduction.

1.5 loans · $4M · Houston, TXFull record →
2.22 loans · $33M · Dallas, TXFull record →
3.23 loans · $10M · Jackson, MSFull record →
4.8 loans · $3M · Terrell, TXFull record →
5.26 loans · $31M · Baton Rouge, LAFull record →
6.1,025 loans · $292M · Berkeley Heights, NJFull record →
7.149 loans · $135M · Mukwonago, WIFull record →
8.62 loans · $21M · Saint Cloud, MNFull record →

15+ funded Shipley Do-Nut 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.

Meridiana Donuts Pkwy LLC in Rosharon, TX — $650K (2026) · Stellar Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
132 mo (11 yrs)
SBA guaranteed
$488K (75%)
Approval → funding
14 days
Approved
1/8/2026
First disbursed
1/22/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Limited-Service Restaurants
Funded by Stellar Bank · Lender record →
Your business? Claim this record · Request removal
Noel Silva & Associates, LLC in El Paso, TX — $810K (2025) · b1BANK
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$608K (75%)
Approval → funding
89 days
Approved
9/24/2025
First disbursed
12/22/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Baked Goods Retailers
Funded by b1BANK · Lender record →
Your business? Claim this record · Request removal
Zak & Anna Inc. in Converse, TX — $673K (2025) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
126 months
SBA guaranteed
$505K (75%)
Approval → funding
12 days
Approved
2/20/2025
First disbursed
3/4/2025
Loan status
In workout — SBA bought the guarantee
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
Snack and Nonalcoholic Beverage Bars
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Meridiana Donuts Pkwy LLC in Rosharon, TX — $646K (2025) · Stellar Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
132 mo (11 yrs)
SBA guaranteed
$485K (75%)
Approved
9/29/2025
Loan status
Cancelled
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 Stellar Bank · Lender record →
Your business? Claim this record · Request removal
MLK Donuts Inc. in Houston, TX — $626K (2025) · Trustmark Bank
Program
Preferred Lenders Program
Rate at approval
7.1% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$469K (75%)
Approval → funding
53 days
Approved
11/6/2024
First disbursed
12/29/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Startup, Loan Funds will Open Business
Industry
Baked Goods Retailers
Funded by Trustmark Bank · Lender record →
Your business? Claim this record · Request removal
DoMo Donuts & Mochi Donuts, LLC in Dallas, TX — $555K (2025) · purchase · The American National Bank of Texas
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$416K (75%)
Approval → funding
30 days
Approved
7/1/2025
First disbursed
7/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$617K
Est. down payment (10%)
$62K
Est. cash at closing
$82K
Monthly payment
$7,106
Annual debt service
$85K
Cash flow needed (1.25×)
$107K
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 American National Bank of Texas · Lender record →
Your business? Claim this record · Request removal
UH Donuts Inc. in Houston, TX — $545K (2025) · purchase · Trustmark Bank
Program
Preferred Lenders Program
Rate at approval
7.1% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$408K (75%)
Approval → funding
53 days
Approved
11/6/2024
First disbursed
12/29/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Baked Goods Retailers
If you were the buyer here
Est. deal size
$605K
Est. down payment (10%)
$61K
Est. cash at closing
$81K
Monthly payment
$6,350
Annual debt service
$76K
Cash flow needed (1.25×)
$95K
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 Trustmark Bank · Lender record →
Your business? Claim this record · Request removal
MC820 DONUTS LLC in Fort Worth, TX — $401K (2025) · Texas Capital Bank
Program
Preferred Lenders Program
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$300K (75%)
Approval → funding
51 days
Approved
2/18/2025
First disbursed
4/10/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Baked Goods Retailers
Funded by Texas Capital Bank · Lender record →
Your business? Claim this record · Request removal
Preston Donuts LLC in Dallas, TX — $240K (2025) · Texas Capital Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$180K (75%)
Approval → funding
41 days
Approved
11/2/2024
First disbursed
12/13/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
New Business or 2 years or less
Industry
All Other Specialty Food Retailers
Funded by Texas Capital Bank · Lender record →
Your business? Claim this record · Request removal
Shipley Do-nuts in Austin, TX — $1.3M (2024) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$968K (75%)
Approval → funding
35 days
Approved
9/10/2024
First disbursed
10/15/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Existing or more than 2 years old
Industry
Baked Goods Retailers
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
Do-Happy Colony, LLC in The Colony, TX — $400K (2023) · purchase · Stellar Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$300K (75%)
Approval → funding
10 days
Approved
1/24/2023
First disbursed
2/3/2023
Loan status
Paid in full (1/31/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$444K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$5,013
Annual debt service
$60K
Cash flow needed (1.25×)
$75K
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 Stellar Bank · Lender record →
Your business? Claim this record · Request removal
Konh Enterprise 2 LLC in Manvel, TX — $1.6M (2022) · Stellar Bank
Program
7a General
Rate at approval
7.5% variable
Term
312 mo (26 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
24 days
Approved
8/15/2022
First disbursed
9/8/2022
Loan status
Current
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 Stellar Bank · Lender record →
Your business? Claim this record · Request removal
Savannah Lake Donuts LLC in Rosharon, TX — $540K (2022) · Stellar Bank
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
132 mo (11 yrs)
SBA guaranteed
$405K (75%)
Approval → funding
22 days
Approved
11/8/2021
First disbursed
11/30/2021
Loan status
Paid in full (2/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
New Business or 2 years or less
Industry
Limited-Service Restaurants
Funded by Stellar Bank · Lender record →
Your business? Claim this record · Request removal
JUST 4 JONES LLC in Austin, TX — $341K (2021) · Stearns Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
123 months
SBA guaranteed
$307K (90%)
Approved
9/22/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
Chhin Donuts I, LLC in Copperas Cove, TX — $555K (2020) · purchase · First National Bank Texas
Program
7a General
Rate at approval
5% variable
Term
240 mo (20 yrs)
SBA guaranteed
$416K (75%)
Approval → funding
35 days
Approved
12/27/2019
First disbursed
1/31/2020
Loan status
Paid in full (10/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
17
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$617K
Est. down payment (10%)
$62K
Est. cash at closing
$82K
Monthly payment
$3,663
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 First National Bank Texas
Your business? Claim this record · Request removal

Buying a Shipley Do-Nut in Texas? Start with a lender that funds them here

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CapBench analysis of public SBA 7(a) lending records; ranked by funded Shipley Do-Nut loans with a Texas project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Shipley Do-Nut 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. Stellar Bank funds the most here. CapBench is not a lender.

$646K typical Shipley Do-Nut loan
9 lenders active in Texas
15+ funded Texas deals
35 days typical to fund

Buyers buying a Shipley Do-Nut 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 Shipley Do-Nut 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/shipley-do-nut/texas
API:: https://www.capbench.com/api/public/lenders?franchise=shipley-do-nut
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.