Food & Restaurants · lender intelligence

How to finance a Smallcakes Cupcakery

State:

The SBA 7(a) lenders funding the most Smallcakes Cupcakery deals, ranked from public loan records — typical Smallcakes Cupcakery loan about $150K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Smallcakes Cupcakery

$150K

Typical loan

range $105K–$215K

$167K

Est. purchase price

≈ loan ÷ 90%

$21,467

Cash to close

$16,667 down + fees

$2,196/mo

Typical payment

~12.5% · 10yr

$30,305/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

17 days

Typical time to fund

Lenders competing

more = leverage

8.23%

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 Smallcakes Cupcakery

Ranked by funded Smallcakes Cupcakery 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 →
2.154 loans · $26M · San Diego, CAFull record →
3.22 loans · $3M · Fayetteville, ARFull record →
4.2 loans · $1M · Topeka, KSFull record →
5.16 loans · $18M · Chicago, ILFull record →
6.3,264 loans · $846M · Miami, FLFull record →
7.1 loans · $0M · Columbus, MSFull record →
8.1 loans · $1M · Cuba, MOFull record →
9.97 loans · $156M · Clayton, MOFull record →
10.868 loans · $362M · Salt Lake City, UTFull record →
11.2 loans · $1M · Mokena, ILFull record →
12.1 loans · $1M · Magee, MSFull record →

19+ funded Smallcakes Cupcakery 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.

Cup Cakes Indy LLC in Greenwood, IN — $379K (2024) · BMO Bank National Association
Program
Preferred Lenders Program
Rate at approval
10.91% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$284K (75%)
Approval → funding
49 days
Approved
3/12/2024
First disbursed
4/30/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
New Business or 2 years or less
Industry
Baked Goods Retailers
Funded by BMO Bank National Association · Lender record →
Your business? Claim this record · Request removal
Practically Perfect Confections LLC in Smithfield, VA — $150K (2024) · CDC Small Business Finance Corp.
Program
Preferred Lenders Program
Rate at approval
13.25% variable
Term
72 mo (6 yrs)
SBA guaranteed
$128K (85%)
Approval → funding
29 days
Approved
4/4/2024
First disbursed
5/3/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Baked Goods Retailers
Funded by CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
Smallcakes Cupcakery Athens, LLC in Bogart, GA — $140K (2024) · CDC Small Business Finance Corp.
Program
Preferred Lenders Program
Rate at approval
13.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$119K (85%)
Approval → funding
13 days
Approved
4/17/2024
First disbursed
4/30/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Baked Goods Retailers
Funded by CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
Smallcakes West Cobb, LLC in Marietta, GA — $215K (2023) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.55% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$161K (75%)
Approval → funding
8 days
Approved
4/25/2023
First disbursed
5/3/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
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
IRP Holdings II, LLC in Smithtown, NY — $200K (2023) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
126 months
SBA guaranteed
$150K (75%)
Approved
3/15/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
Small Cakes Cupcakery of Commack in Commack, NY — $192K (2023) · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
124 months
SBA guaranteed
$144K (75%)
Approval → funding
26 days
Approved
8/11/2023
First disbursed
9/6/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
New Business or 2 years or less
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Smallcakes Cupcakery of Commack in Commack, NY — $150K (2023) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
124 months
SBA guaranteed
$128K (85%)
Approved
3/12/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
Indigo Violet Ventures LLC in Hot Springs, AR — $144K (2023) · Arvest Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$72K (50%)
Approval → funding
2 days
Approved
6/28/2023
First disbursed
6/30/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Arvest Bank · Lender record →
Your business? Claim this record · Request removal
Smallcakes Smyrna LLC in Smyrna, GA — $85K (2023) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.55% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$63K (75%)
Approval → funding
14 days
Approved
4/25/2023
First disbursed
5/9/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
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
Indigo Violet Ventures LLC in Hot Springs National Park, AR — $40K (2023) · Arvest Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
96 mo (8 yrs)
SBA guaranteed
$20K (50%)
Approval → funding
2 days
Approved
6/28/2023
First disbursed
6/30/2023
Loan status
Paid in full (1/31/2026)
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Arvest Bank · Lender record →
Your business? Claim this record · Request removal
JNJII Enterprizes L.L.C. in Albuquerque, NM — $430K (2022) · Enterprise Bank & Trust
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$322K (75%)
Approval → funding
17 days
Approved
12/14/2021
First disbursed
12/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Existing or more than 2 years old
Industry
Limited-Service Restaurants
Funded by Enterprise Bank & Trust · Lender record →
Your business? Claim this record · Request removal
Watson Family Sweets LLC in Thomasville, GA — $127K (2022) · Celtic Bank Corporation
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$108K (85%)
Approval → funding
28 days
Approved
4/11/2022
First disbursed
5/9/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Existing or more than 2 years old
Industry
Retail Bakeries
Funded by Celtic Bank Corporation · Lender record →
Your business? Claim this record · Request removal
MJK Family Corp in Hammond, IN — $947K (2021) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$852K (90%)
Approval → funding
3 days
Approved
5/25/2021
First disbursed
5/28/2021
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
22
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$105K
Est. cash at closing
$144K
Monthly payment
$10,395
Annual debt service
$125K
Cash flow needed (1.25×)
$156K
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
Smallcakes Madison, LLC in Madison, MS — $180K (2021) · PriorityOne Bank
Program
7a General
Rate at approval
6% variable
Term
84 mo (7 yrs)
SBA guaranteed
$162K (90%)
Approval → funding
20 days
Approved
9/10/2021
First disbursed
9/30/2021
Loan status
Delinquent
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 PriorityOne Bank · Lender record →
Your business? Claim this record · Request removal
B.E.T. INVESTMENT GROUP, LCC in Joliet, IL — $100K (2021) · Old Plank Trail Community Bank National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.6% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$75K (75%)
Approval → funding
17 days
Approved
8/13/2021
First disbursed
8/30/2021
Loan status
Paid in full (2/29/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Retail Bakeries
Funded by Old Plank Trail Community Bank National Association · Lender record →
Your business? Claim this record · Request removal
MJK Family Corp in Schererville, IN — $50K (2021) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$38K (75%)
Approval → funding
6 days
Approved
5/25/2021
First disbursed
5/31/2021
Loan status
In liquidation
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
New Business or 2 years or less
Industry
Retail Bakeries
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Brothers Retail Group Inc in Schererville, IN — $250K (2020) · Peoples Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5% fixed
Term
72 mo (6 yrs)
SBA guaranteed
$125K (50%)
Approval → funding
13 days
Approved
3/18/2020
First disbursed
3/31/2020
Loan status
Paid in full (6/30/2021)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
24
Business age
Unanswered
Industry
Retail Bakeries
Funded by Peoples Bank · Lender record →
Your business? Claim this record · Request removal
Mercer Family in Topeka, KS — $148K (2020) · Silver Lake Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
5.95% variable
Term
72 mo (6 yrs)
SBA guaranteed
$74K (50%)
Approval → funding
21 days
Approved
9/9/2020
First disbursed
9/30/2020
Loan status
Paid in full (8/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Snack and Nonalcoholic Beverage Bars
Funded by Silver Lake Bank · Lender record →
Your business? Claim this record · Request removal
Smallcakes Cupcakery LLC in Gonzales, LA — $105K (2020) · BankFirst Financial Services
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
126 months
SBA guaranteed
$89K (85%)
Approval → funding
128 days
Approved
10/24/2019
First disbursed
2/29/2020
Loan status
Current
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
Retail Bakeries
Funded by BankFirst Financial Services · Lender record →
Your business? Claim this record · Request removal

Buying a Smallcakes Cupcakery? 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 Smallcakes Cupcakery businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Smallcakes Cupcakery 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.

$150K typical Smallcakes Cupcakery loan
14 lenders fund the brand
17 days typical to fund

Buyers researching a Smallcakes Cupcakery 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 Smallcakes Cupcakery 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/smallcakes-cupcakery
API:: https://www.capbench.com/api/public/lenders?franchise=smallcakes-cupcakery
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.