Food & Restaurants · lender intelligence
How to finance a Wetzel's Pretzels
The SBA 7(a) lenders funding the most Wetzel's Pretzels deals, ranked from public loan records — typical Wetzel's Pretzels loan about $376K, 0% failure rate across 52 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Wetzel's Pretzels
$376K
Typical loan
range $250K–$587K
$418K
Est. purchase price
≈ loan ÷ 90%
$55,878
Cash to close
$41,778 down + fees
$4,865/mo
Typical payment
~9.5% · 10yr
$67,137/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
100.0%
Still performing
0% default · FY20–23
27 days
Typical time to fund
24
Lenders competing
more = leverage
8.92%
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 Wetzel's Pretzels
Ranked by funded Wetzel's Pretzels loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.318 loans · $229M · Osage Beach, MOFull record →
- 2.83 loans · $31M · Sandy, UTFull record →
- 3.7 loans · $3M · Walnut Creek, CAFull record →
- 4.61 loans · $67M · Los Angeles, CAFull record →
- 5.20 loans · $9M · Fresno, CAFull record →
- 6.149 loans · $135M · Mukwonago, WIFull record →
- 7.40 loans · $42M · Englewood Cliffs, NJFull record →
- 8.54 loans · $22M · Chubbuck, IDFull record →
- 9.2,539 loans · $965M · Columbus, OHFull record →
- 10.62 loans · $21M · Saint Cloud, MNFull record →
- 11.42 loans · $7M · San Juan, PRFull record →
- 12.3 loans · $2M · Minneapolis, MNFull record →
- 13.19 loans · $18M · Uniondale, NYFull record →
- 14.112 loans · $112M · Irving, TXFull record →
- 15.33 loans · $15M · Minneapolis, MNFull record →
- 16.274 loans · $315M · Los Angeles, CAFull record →
- 17.105 loans · $72M · Wilmington, DEFull record →
- 18.35 loans · $4M · San Antonio, TXFull record →
- 19.105 loans · $164M · Brookline, MAFull record →
- 20.168 loans · $205M · Fishers, INFull record →
- 21.284 loans · $254M · Cincinnati, OHFull record →
52+ funded Wetzel's Pretzels 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.
- Fresh Pretzel Inc in Concord, CA — $1.2M (2026) · Bank of America, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 6.44% fixed
- Term
- 96 mo (8 yrs)
- SBA guaranteed
- $891K (75%)
- Approval → funding
- 59 days
- Approved
- 12/22/2025
- First disbursed
- 2/19/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Bank of America, National Association · Lender record →
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- 3180 Pretzels LLC in American Fork, UT — $519K (2026) · Mountain America FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $389K (75%)
- Approval → funding
- 7 days
- Approved
- 1/6/2026
- First disbursed
- 1/13/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 32
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Mountain America FCU · Lender record →
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- Zaia and Zaia LLC in Los Banos, CA — $358K (2026) · Community West Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% fixed
- Term
- 126 months
- SBA guaranteed
- $269K (75%)
- Approved
- 12/31/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Baked Goods Retailers
Funded by Community West Bank · Lender record →
Your business? Claim this record · Request removal
- Zaia and Zaia LLC in Sacramento, CA — $358K (2026) · Community West Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% fixed
- Term
- 126 months
- SBA guaranteed
- $269K (75%)
- Approved
- 12/31/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Baked Goods Retailers
Funded by Community West Bank · Lender record →
Your business? Claim this record · Request removal
- 52L ENTERPRISE INC in Santa Ana, CA — $250K (2026) · Bank of Hope
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $125K (50%)
- Approval → funding
- 7 days
- Approved
- 2/19/2026
- First disbursed
- 2/26/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Existing or more than 2 years old
- Industry
- Retail Bakeries
Funded by Bank of Hope · Lender record →
Your business? Claim this record · Request removal
- Salty Wagon LLC in Las Vegas, NV — $249K (2026) · purchase · CRF Small Business Loan Company, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $187K (75%)
- Approved
- 1/29/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $277K
- Est. down payment (10%)
- $28K
- Est. cash at closing
- $37K
- Monthly payment
- $3,222
- Annual debt service
- $39K
- Cash flow needed (1.25×)
- $48K
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
- Dough Knots, LLC in Boise, ID — $1.3M (2025) · Idaho Central CU
- Program
- 7a General
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 10 days
- Approved
- 10/1/2024
- First disbursed
- 10/11/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Idaho Central CU · Lender record →
Your business? Claim this record · Request removal
- Zioau Delights LLC in Cherry Hill, NJ — $772K (2025) · Flushing Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 126 months
- SBA guaranteed
- $579K (75%)
- Approved
- 7/9/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Flushing Bank · Lender record →
Your business? Claim this record · Request removal
- Knotty Dough Investments, LLC in Clearfield, UT — $743K (2025) · Mountain America FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $557K (75%)
- Approval → funding
- 50 days
- Approved
- 10/8/2024
- First disbursed
- 11/27/2024
- 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 Mountain America FCU · Lender record →
Your business? Claim this record · Request removal
- A DASH'S PRETZELS LLC in Hanover, MD — $733K (2025) · purchase · Beacon Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $550K (75%)
- Approval → funding
- 102 days
- Approved
- 12/20/2024
- First disbursed
- 4/1/2025
- Loan status
- Current
- 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
- $814K
- Est. down payment (10%)
- $81K
- Est. cash at closing
- $112K
- Monthly payment
- $9,994
- Annual debt service
- $120K
- Cash flow needed (1.25×)
- $150K
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 Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
- A&G Food & Beverages Inc in Marietta, GA — $500K (2025) · Citizens Bank
- Program
- 7a General
- Rate at approval
- 10.25% variable
- Term
- 124 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 41 days
- Approved
- 4/17/2025
- First disbursed
- 5/28/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- A&A Innovations Inc. in Sacramento, CA — $500K (2025) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 124 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 87 days
- Approved
- 2/18/2025
- First disbursed
- 5/16/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- New Business or 2 years or less
- Industry
- Mobile Food Services
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- Wetzel’s Pretzels of Bethesda in Bethesda, MD — $450K (2025) · VelocitySBA, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 126 months
- SBA guaranteed
- $338K (75%)
- Approval → funding
- 79 days
- Approved
- 9/17/2025
- First disbursed
- 12/5/2025
- 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 VelocitySBA, LLC · Lender record →
Your business? Claim this record · Request removal
- Sweet Sherman Food Inc. in Lakewood, CA — $750K (2024) · PCB Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $563K (75%)
- Approved
- 11/8/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 11
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by PCB Bank · Lender record →
Your business? Claim this record · Request removal
- Wetzel's Pretzels Fig Garden in Fresno, CA — $749K (2024) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 128 months
- SBA guaranteed
- $562K (75%)
- Approval → funding
- 57 days
- Approved
- 3/3/2024
- First disbursed
- 4/29/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- Sweet Sherman Food Inc. in Lakewood, CA — $735K (2024) · PCB Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $551K (75%)
- Approval → funding
- 27 days
- Approved
- 12/28/2023
- First disbursed
- 1/24/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 11
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by PCB Bank · Lender record →
Your business? Claim this record · Request removal
- Wetzel's Pretzels in Cerritos, CA — $605K (2024) · purchase · United Business Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 85 months
- SBA guaranteed
- $454K (75%)
- Approval → funding
- 7 days
- Approved
- 10/31/2023
- First disbursed
- 11/7/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $672K
- Est. down payment (10%)
- $67K
- Est. cash at closing
- $90K
- Monthly payment
- $10,119
- Annual debt service
- $121K
- Cash flow needed (1.25×)
- $152K
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 United Business Bank · Lender record →
Your business? Claim this record · Request removal
- Walmart West Valley LLC in West Valley City, UT — $546K (2024) · Mountain America FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $409K (75%)
- Approved
- 11/11/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Mountain America FCU · Lender record →
Your business? Claim this record · Request removal
- 3180 Pretzels LLC in West Valley City, UT — $546K (2024) · Mountain America FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $409K (75%)
- Approval → funding
- 10 days
- Approved
- 11/24/2023
- First disbursed
- 12/4/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Mountain America FCU · Lender record →
Your business? Claim this record · Request removal
- AMACA Group Inc in Lancaster, CA — $458K (2024) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 90 months
- SBA guaranteed
- $344K (75%)
- Approval → funding
- 55 days
- Approved
- 10/19/2023
- First disbursed
- 12/13/2023
- 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
- Baked Goods Retailers
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Wetzel's Pretzels? 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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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Wetzel's Pretzels businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Wetzel's Pretzels 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 Bank of the Lake funds the most. CapBench is not a lender.
- $376K typical Wetzel's Pretzels loan
- 0% failure rate (FY20–23)
- 24 lenders fund the brand
- 27 days typical to fund
Buyers researching a Wetzel's Pretzels 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 2026-06-22.
- 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.