Retail & Shops · lender intelligence

Financing a baked goods stores acquisition

State:

The SBA 7(a) lenders funding the most baked goods stores acquisitions, ranked from public loan records — typical deal about $682K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance baked goods stores

$406K

Typical loan

range $210K–$720K

$451K

Est. purchase price

≈ loan ÷ 90%

$60,336

Cash to close

$45,111 down + fees

$5,254/mo

Typical payment

~9.5% · 10yr

$72,505/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

96.0%

Still performing

4% default · FY20–23

24 days

Typical time to fund

Lenders competing

more = leverage

5.75%

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 in baked goods stores

Ranked by funded baked goods stores acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.60 loans · $130M · Doraville, GAFull record →
2.88 loans · $96M · Muncie, INFull record →
3.29 loans · $28M · Quincy, CAFull record →
4.2 loans · $0M · Fargo, NDFull record →
5.1 loans · $0M · Columbia, SCFull record →
6.242 loans · $281M · Chicago, ILFull record →
7.138 loans · $276M · Sioux Falls, SDFull record →
8.499 loans · $106M · Los Angeles, CAFull record →
9.2 loans · $0M · Camden, MEFull record →
10.83 loans · $143M · Los Angeles, CAFull record →
11.46 loans · $27M · Sartell, MNFull record →
12.54 loans · $22M · Chubbuck, IDFull record →
13.75 loans · $98M · Sioux Falls, SDFull record →
14.46 loans · $46M · Murray, UTFull record →
15.13 loans · $18M · Roseburg, ORFull record →
16.2,539 loans · $965M · Columbus, OHFull record →
17.2 loans · $1M · Bound Brook, NJFull record →

25+ funded baked goods stores 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.

Patriot Vodka LLC in Morristown, NJ — $130K (2022) · purchase · Somerset Regal Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$111K (85%)
Approval → funding
70 days
Approved
12/15/2021
First disbursed
2/23/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$144K
Est. down payment (10%)
$14K
Est. cash at closing
$19K
Monthly payment
$1,395
Annual debt service
$17K
Cash flow needed (1.25×)
$21K
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 Somerset Regal Bank · Lender record →
Your business? Claim this record · Request removal
AGA Karinas Bakery Inc in Glendale, CA — $3.5M (2021) · purchase · Columbia Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.1M (90%)
Approval → funding
28 days
Approved
9/2/2021
First disbursed
9/30/2021
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
Baked Goods Stores
If you were the buyer here
Est. deal size
$3.9M
Est. down payment (10%)
$389K
Est. cash at closing
$537K
Monthly payment
$37,552
Annual debt service
$451K
Cash flow needed (1.25×)
$563K
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 Columbia Bank · Lender record →
Your business? Claim this record · Request removal
Hayhat LLC in Dearborn, MI — $3.5M (2021) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.1M (90%)
Approved
9/23/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$3.9M
Est. down payment (10%)
$388K
Est. cash at closing
$536K
Monthly payment
$21,968
Annual debt service
$264K
Cash flow needed (1.25×)
$330K
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
HEO & HEO, LLC in Duluth, GA — $1.1M (2021) · purchase · Metro City Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$954K (90%)
Approved
7/29/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$118K
Est. cash at closing
$162K
Monthly payment
$11,114
Annual debt service
$133K
Cash flow needed (1.25×)
$167K
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 Metro City Bank · Lender record →
Your business? Claim this record · Request removal
Alicias Sweets LLC in Houston, TX — $902K (2021) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$677K (75%)
Approval → funding
12 days
Approved
11/18/2020
First disbursed
11/30/2020
Loan status
Paid in full (4/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$1.0M
Est. down payment (10%)
$100K
Est. cash at closing
$137K
Monthly payment
$9,901
Annual debt service
$119K
Cash flow needed (1.25×)
$149K
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 Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
Fortunati Family Bakery Hub LLC in Boise, ID — $779K (2021) · purchase · Idaho Central CU
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$701K (90%)
Approval → funding
8 days
Approved
3/16/2021
First disbursed
3/24/2021
Loan status
Paid in full (2/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
31
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$866K
Est. down payment (10%)
$87K
Est. cash at closing
$119K
Monthly payment
$8,263
Annual debt service
$99K
Cash flow needed (1.25×)
$124K
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 Idaho Central CU · Lender record →
Your business? Claim this record · Request removal
Scooter Hospitality, LLC in Bristol, RI — $720K (2021) · purchase · Coastal1 Credit Union
Program
7a General
Rate at approval
4.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$648K (90%)
Approval → funding
20 days
Approved
9/17/2021
First disbursed
10/7/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
28
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$800K
Est. down payment (10%)
$80K
Est. cash at closing
$110K
Monthly payment
$7,549
Annual debt service
$91K
Cash flow needed (1.25×)
$113K
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 Coastal1 Credit Union
Your business? Claim this record · Request removal
Kelley's Inc in Alameda, CA — $626K (2021) · purchase · Plumas Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$563K (90%)
Approval → funding
83 days
Approved
9/9/2021
First disbursed
12/1/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$696K
Est. down payment (10%)
$70K
Est. cash at closing
$93K
Monthly payment
$6,716
Annual debt service
$81K
Cash flow needed (1.25×)
$101K
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 Plumas Bank · Lender record →
Your business? Claim this record · Request removal
Uncommon Goods LLC in Del Mar, CA — $622K (2021) · purchase · Plumas Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$560K (90%)
Approval → funding
5 days
Approved
4/1/2021
First disbursed
4/6/2021
Loan status
Paid in full (8/31/2024)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$691K
Est. down payment (10%)
$69K
Est. cash at closing
$92K
Monthly payment
$6,828
Annual debt service
$82K
Cash flow needed (1.25×)
$102K
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 Plumas Bank · Lender record →
Your business? Claim this record · Request removal
SHAHRAMMAGHAMIFAR in San Jose, CA — $580K (2021) · purchase · KeyPoint CU
Program
Preferred Lenders Program
Rate at approval
5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$522K (90%)
Approval → funding
13 days
Approved
2/27/2021
First disbursed
3/12/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Individual
Secondary market
Loan sold to investors
Jobs supported
22
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$644K
Est. down payment (10%)
$64K
Est. cash at closing
$86K
Monthly payment
$6,152
Annual debt service
$74K
Cash flow needed (1.25×)
$92K
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 KeyPoint CU
Your business? Claim this record · Request removal
Nino's Pastry Shop in Trenton, NJ — $450K (2021) · purchase · FinWise Bank
Program
7a General
Rate at approval
6% variable
Term
86 months
SBA guaranteed
$405K (90%)
Approval → funding
87 days
Approved
7/24/2021
First disbursed
10/19/2021
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
15
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$500K
Est. down payment (10%)
$50K
Est. cash at closing
$67K
Monthly payment
$6,451
Annual debt service
$77K
Cash flow needed (1.25×)
$97K
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 FinWise Bank · Lender record →
Your business? Claim this record · Request removal
Crumby LLC in Billings, MT — $400K (2021) · purchase · Altana FCU
Program
7a General
Rate at approval
5.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$360K (90%)
Approval → funding
17 days
Approved
6/21/2021
First disbursed
7/8/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
14
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$444K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$4,341
Annual debt service
$52K
Cash flow needed (1.25×)
$65K
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 Altana FCU
Your business? Claim this record · Request removal
Sclafani's Bakery C&R, LLC in Gloucester, MA — $135K (2021) · purchase · Cape Ann Savings Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
6.5% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$101K (75%)
Approval → funding
27 days
Approved
6/26/2021
First disbursed
7/23/2021
Loan status
Past due
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$150K
Est. down payment (10%)
$15K
Est. cash at closing
$19K
Monthly payment
$2,005
Annual debt service
$24K
Cash flow needed (1.25×)
$30K
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 Cape Ann Savings Bank
Your business? Claim this record · Request removal
Sweet Dreamers LLC in Greenfield, MA — $56K (2021) · purchase · Greenfield Co-Operative Bank
Program
Preferred Lenders Program
Rate at approval
4.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$48K (85%)
Approval → funding
24 days
Approved
11/6/2020
First disbursed
11/30/2020
Loan status
Paid in full (10/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$62K
Est. down payment (10%)
$6K
Est. cash at closing
$8K
Monthly payment
$580
Annual debt service
$7K
Cash flow needed (1.25×)
$9K
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 Greenfield Co-Operative Bank
Your business? Claim this record · Request removal
Chip Cookies, LLC in Provo, UT — $1.1M (2020) · purchase · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$818K (75%)
Approval → funding
478 days
Approved
11/8/2019
First disbursed
2/28/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
200
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$121K
Est. cash at closing
$166K
Monthly payment
$12,938
Annual debt service
$155K
Cash flow needed (1.25×)
$194K
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 Pathward National Association · Lender record →
Your business? Claim this record · Request removal
Artisan Bakeries, Inc. in Houston, TX — $560K (2020) · purchase · Byline Bank
Program
7a General
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$420K (75%)
Approval → funding
15 days
Approved
6/15/2020
First disbursed
6/30/2020
Loan status
Paid in full (9/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$622K
Est. down payment (10%)
$62K
Est. cash at closing
$83K
Monthly payment
$6,217
Annual debt service
$75K
Cash flow needed (1.25×)
$93K
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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
Brendon Griswold in Worcester, MA — $406K (2020) · purchase · Cornerstone Bank
Program
Preferred Lenders Program
Rate at approval
4.75% fixed
Term
96 mo (8 yrs)
SBA guaranteed
$305K (75%)
Approved
5/12/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Individual
Jobs supported
14
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$451K
Est. down payment (10%)
$45K
Est. cash at closing
$60K
Monthly payment
$5,092
Annual debt service
$61K
Cash flow needed (1.25×)
$76K
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 Cornerstone Bank · Lender record →
Your business? Claim this record · Request removal
Barnovens Corporation in Edgewater, NJ — $400K (2020) · purchase · Metro City Bank
Program
Preferred Lenders Program
Rate at approval
2% variable
Term
120 mo (10 yrs)
SBA guaranteed
$300K (75%)
Approved
9/14/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$444K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$3,681
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 Metro City Bank · Lender record →
Your business? Claim this record · Request removal
Short-Cakes, LLC in Ossian, IN — $368K (2020) · purchase · First Merchants Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
96 mo (8 yrs)
SBA guaranteed
$276K (75%)
Approval → funding
43 days
Approved
10/18/2019
First disbursed
11/30/2019
Loan status
Paid in full (8/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$409K
Est. down payment (10%)
$41K
Est. cash at closing
$55K
Monthly payment
$4,836
Annual debt service
$58K
Cash flow needed (1.25×)
$73K
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 Merchants Bank · Lender record →
Your business? Claim this record · Request removal
PODANY ASSETS INC in Champlin, MN — $360K (2020) · purchase · BankVista
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
111 months
SBA guaranteed
$270K (75%)
Approval → funding
24 days
Approved
2/5/2020
First disbursed
2/29/2020
Loan status
Failed — $172K charged off (1/12/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Change of Ownership
Industry
Baked Goods Stores
If you were the buyer here
Est. deal size
$400K
Est. down payment (10%)
$40K
Est. cash at closing
$54K
Monthly payment
$4,369
Annual debt service
$52K
Cash flow needed (1.25×)
$66K
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 BankVista · Lender record →
Your business? Claim this record · Request removal

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

Agent summary

How to finance a baked goods stores acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. Metro City Bank funds the most. CapBench is not a lender.

$682K typical loan
22 lenders fund the industry
4% default (FY20–23)
24 days typical to fund

Buyers researching a baked goods stores deal typically pre-qualify, then ask CapBench to introduce a lender that funds the industry — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

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/industry/baked-goods-stores
API:: https://www.capbench.com/api/public/lenders?industry=baked-goods-stores
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.