Retail & Shops · lender intelligence
How to finance a Vicky Bakery
The SBA 7(a) lenders funding the most Vicky Bakery deals, ranked from public loan records — typical Vicky Bakery loan about $1.1M. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Vicky Bakery
$1.07M
Typical loan
range $840K–$1.22M
$1.19M
Est. purchase price
≈ loan ÷ 90%
$163,469
Cash to close
$119,211 down + fees
$13,883/mo
Typical payment
~9.5% · 10yr
$191,585/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
67 days
Typical time to fund
2
Lenders competing
more = leverage
10.13%
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 Vicky Bakery
Ranked by funded Vicky Bakery loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.97 loans · $96M · Raleigh, NCFull record →
- 2.3 loans · $5M · Coral Gables, FLFull record →
4+ funded Vicky Bakery 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.
- Romtac02 Bakery, Inc. in Boynton Beach, FL — $1.2M (2025) · First-Citizens Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.75% variable
- Term
- 129 months
- SBA guaranteed
- $918K (75%)
- Approval → funding
- 36 days
- Approved
- 4/30/2025
- First disbursed
- 6/5/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 100
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Specialty Food Retailers
Funded by First-Citizens Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
- Tacrom Bakery, Inc. in Royal Palm Beach, FL — $400K (2025) · First-Citizens Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $300K (75%)
- Approval → funding
- 16 days
- Approved
- 8/26/2025
- First disbursed
- 9/11/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 25
- Business age
- Existing or more than 2 years old
- Industry
- All Other Specialty Food Retailers
Funded by First-Citizens Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
- Sunwest Bakery Corp in Sunrise, FL — $840K (2024) · Amerant Bank, National Association
- Program
- 7a General
- Rate at approval
- 11.25% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $630K (75%)
- Approval → funding
- 67 days
- Approved
- 8/17/2024
- First disbursed
- 10/23/2024
- Loan status
- Current
- 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 Amerant Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- VBZ Ventures, LLC in Cooper City, FL — $1.1M (2023) · Amerant Bank, National Association
- Program
- 7a General
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $805K (75%)
- Approval → funding
- 88 days
- Approved
- 9/23/2023
- First disbursed
- 12/20/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Commercial Bakeries
Funded by Amerant Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Buying a Vicky Bakery? 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Vicky Bakery businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Vicky Bakery 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. First-Citizens Bank & Trust Company funds the most. CapBench is not a lender.
- $1.1M typical Vicky Bakery loan
- 2 lenders fund the brand
- 67 days typical to fund
Buyers researching a Vicky Bakery 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.