Food & Restaurants · lender intelligence

Financing a commercial bakeries acquisition

State:

The SBA 7(a) lenders funding the most commercial bakeries acquisitions, ranked from public loan records — typical deal about $805K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance commercial bakeries

$260K

Typical loan

range $178K–$1.00M

$289K

Est. purchase price

≈ loan ÷ 90%

$38,595

Cash to close

$28,856 down + fees

$3,577/mo

Typical payment

~11% · 10yr

$49,363/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

23 days

Typical time to fund

Lenders competing

more = leverage

8.12%

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 commercial bakeries

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.1,296 loans · $1.4B · Wilmington, NCFull record →
3.1 loans · $0M · Smithfield, RIFull record →
4.499 loans · $106M · Los Angeles, CAFull record →
5.5 loans · $1M · Tukwila, WAFull record →
6.23 loans · $21M · Greenwood Village, COFull record →
7.44 loans · $25M · Spokane, WAFull record →
8.9 loans · $10M · Latham, NYFull record →
9.46 loans · $27M · Sartell, MNFull record →
10.1 loans · $0M · Ludington, MIFull record →
11.31 loans · $11M · Green Bay, WIFull record →
12.7 loans · $6M · Douglas, GAFull record →
13.104 loans · $100M · Portsmouth, VAFull record →
14.28 loans · $35M · West Memphis, ARFull record →
15.11 loans · $2M · Birmingham, ALFull record →
16.242 loans · $281M · Chicago, ILFull record →
17.105 loans · $164M · Brookline, MAFull record →
18.16 loans · $7M · Lakewood, WAFull record →

26+ funded commercial bakeries 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.

Fast Lane Foods, LLC in Cleveland, OH — $1.0M (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.15% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$752K (75%)
Approval → funding
6 days
Approved
1/8/2026
First disbursed
1/14/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$111K
Est. cash at closing
$153K
Monthly payment
$12,237
Annual debt service
$147K
Cash flow needed (1.25×)
$184K
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
Fast Lane Foods, LLC in Cleveland, OH — $50K (2026) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
1/8/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
13
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$633
Annual debt service
$8K
Cash flow needed (1.25×)
$10K
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
PATTY'S PIZZA LLC in Marina Del Rey, CA — $1.9M (2025) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.5M (75%)
Approval → funding
118 days
Approved
5/29/2025
First disbursed
9/24/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$2.2M
Est. down payment (10%)
$217K
Est. cash at closing
$298K
Monthly payment
$25,769
Annual debt service
$309K
Cash flow needed (1.25×)
$387K
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
ASLO LLC in Sterling, VA — $1.9M (2025) · purchase · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
31 days
Approved
12/17/2024
First disbursed
1/17/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$2.1M
Est. down payment (10%)
$210K
Est. cash at closing
$289K
Monthly payment
$25,239
Annual debt service
$303K
Cash flow needed (1.25×)
$379K
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
Bennett Bakery LLC in Vancouver, WA — $1.6M (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.3% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
13 days
Approved
7/29/2025
First disbursed
8/11/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$180K
Est. cash at closing
$247K
Monthly payment
$19,899
Annual debt service
$239K
Cash flow needed (1.25×)
$298K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
LCBC, LLC in Birmingham, AL — $260K (2025) · purchase · Sabre Finance
Program
7a General
Rate at approval
10.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$195K (75%)
Approval → funding
36 days
Approved
8/20/2025
First disbursed
9/25/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$289K
Est. down payment (10%)
$29K
Est. cash at closing
$39K
Monthly payment
$3,504
Annual debt service
$42K
Cash flow needed (1.25×)
$53K
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 Sabre Finance · Lender record →
Your business? Claim this record · Request removal
Bennett Bakery LLC in Vancouver, WA — $200K (2025) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$100K (50%)
Approval → funding
13 days
Approved
7/29/2025
First disbursed
8/11/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$222K
Est. down payment (10%)
$22K
Est. cash at closing
$30K
Monthly payment
$2,534
Annual debt service
$30K
Cash flow needed (1.25×)
$38K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
FIVE STAR BAKERY, INC. in Lauderdale Lakes, FL — $178K (2025) · purchase · Lendistry SBLC, LLC
Program
Preferred Lenders Program
Rate at approval
12.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$133K (75%)
Approval → funding
19 days
Approved
12/18/2024
First disbursed
1/6/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$197K
Est. down payment (10%)
$20K
Est. cash at closing
$26K
Monthly payment
$2,627
Annual debt service
$32K
Cash flow needed (1.25×)
$39K
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 Lendistry SBLC, LLC · Lender record →
Your business? Claim this record · Request removal
The Creamery Co in Marysville, WA — $25K (2025) · purchase · Harborstone CU
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
6 days
Approved
1/16/2025
First disbursed
1/22/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$334
Annual debt service
$4K
Cash flow needed (1.25×)
$5K
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 Harborstone CU · Lender record →
Your business? Claim this record · Request removal
Sawyer Entertainment LLC in Houston, TX — $646K (2024) · purchase · TowneBank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$484K (75%)
Approval → funding
51 days
Approved
6/10/2024
First disbursed
7/31/2024
Loan status
Paid in full (9/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
22
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$717K
Est. down payment (10%)
$72K
Est. cash at closing
$96K
Monthly payment
$8,802
Annual debt service
$106K
Cash flow needed (1.25×)
$132K
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 TowneBank · Lender record →
Your business? Claim this record · Request removal
If You Please, LLC in Tempe, AZ — $494K (2024) · purchase · Evolve Bank and Trust
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$371K (75%)
Approval → funding
32 days
Approved
12/7/2023
First disbursed
1/8/2024
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
6
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$549K
Est. down payment (10%)
$55K
Est. cash at closing
$73K
Monthly payment
$6,875
Annual debt service
$82K
Cash flow needed (1.25×)
$103K
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 Evolve Bank and Trust · Lender record →
Your business? Claim this record · Request removal
LIVS BAKERY WHOLESALE in Houston, TX — $329K (2024) · purchase · Lendistry SBLC, LLC
Program
Preferred Lenders Program
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$247K (75%)
Approval → funding
25 days
Approved
3/21/2024
First disbursed
4/15/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$366K
Est. down payment (10%)
$37K
Est. cash at closing
$49K
Monthly payment
$4,626
Annual debt service
$56K
Cash flow needed (1.25×)
$69K
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 Lendistry SBLC, LLC · Lender record →
Your business? Claim this record · Request removal
Dessert European Bakery in Modesto, CA — $225K (2023) · purchase · First National Bank of Coffee County
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$169K (75%)
Approval → funding
16 days
Approved
2/15/2023
First disbursed
3/3/2023
Loan status
Paid in full (11/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$250K
Est. down payment (10%)
$25K
Est. cash at closing
$33K
Monthly payment
$3,036
Annual debt service
$36K
Cash flow needed (1.25×)
$46K
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 of Coffee County · Lender record →
Your business? Claim this record · Request removal
Edna's Bakery in San Luis Obispo, CA — $1.8M (2022) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
6.37% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
28 days
Approved
6/15/2022
First disbursed
7/13/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
75
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$2.0M
Est. down payment (10%)
$200K
Est. cash at closing
$275K
Monthly payment
$20,320
Annual debt service
$244K
Cash flow needed (1.25×)
$305K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
EAGLE BAKING COMPANY LLC in Eagle River, WI — $281K (2022) · purchase · Nicolet National Bank
Program
Preferred Lenders Program
Rate at approval
5.25% fixed
Term
240 mo (20 yrs)
SBA guaranteed
$211K (75%)
Approval → funding
6 days
Approved
2/22/2022
First disbursed
2/28/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$312K
Est. down payment (10%)
$31K
Est. cash at closing
$42K
Monthly payment
$1,895
Annual debt service
$23K
Cash flow needed (1.25×)
$28K
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 Nicolet National Bank · Lender record →
Your business? Claim this record · Request removal
Three Little Mittens Bakery, LLC in Livonia, MI — $200K (2022) · purchase · Michigan State University Federal Credit Union
Program
7a General
Rate at approval
6.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$150K (75%)
Approval → funding
39 days
Approved
9/29/2022
First disbursed
11/7/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$222K
Est. down payment (10%)
$22K
Est. cash at closing
$30K
Monthly payment
$2,246
Annual debt service
$27K
Cash flow needed (1.25×)
$34K
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 Michigan State University Federal Credit Union
Your business? Claim this record · Request removal
GBC OPERATIONS LLC in Minneapolis, MN — $4.7M (2021) · purchase · BankVista
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.7M (80%)
Approval → funding
20 days
Approved
8/11/2021
First disbursed
8/31/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
142
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$5.2M
Est. down payment (10%)
$518K
Est. cash at closing
$717K
Monthly payment
$50,041
Annual debt service
$600K
Cash flow needed (1.25×)
$751K
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
DAM Good Investments, LLC in Northport, MI — $338K (2021) · purchase · West Shore Bank
Program
7a General
Rate at approval
5.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$305K (90%)
Approval → funding
15 days
Approved
8/12/2021
First disbursed
8/27/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$376K
Est. down payment (10%)
$38K
Est. cash at closing
$50K
Monthly payment
$2,028
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 West Shore Bank · Lender record →
Your business? Claim this record · Request removal
HUGHES DONUTS LLC in Hayden, ID — $212K (2021) · purchase · bankcda
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$191K (90%)
Approval → funding
8 days
Approved
8/4/2021
First disbursed
8/12/2021
Loan status
Paid in full (7/31/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$236K
Est. down payment (10%)
$24K
Est. cash at closing
$32K
Monthly payment
$2,223
Annual debt service
$27K
Cash flow needed (1.25×)
$33K
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 bankcda
Your business? Claim this record · Request removal
andreoni family bakery, llc in Cranston, RI — $158K (2021) · purchase · Navigant CU
Program
Preferred Lenders Program
Rate at approval
6% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$142K (90%)
Approval → funding
23 days
Approved
5/1/2021
First disbursed
5/24/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Commercial Bakeries
If you were the buyer here
Est. deal size
$175K
Est. down payment (10%)
$18K
Est. cash at closing
$23K
Monthly payment
$1,749
Annual debt service
$21K
Cash flow needed (1.25×)
$26K
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 Navigant CU · 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 commercial bakeries businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a commercial bakeries 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. The Huntington National Bank funds the most. CapBench is not a lender.

$805K typical loan
20 lenders fund the industry
23 days typical to fund

Buyers researching a commercial bakeries 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 2026-06-20.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/commercial-bakeries
API:: https://www.capbench.com/api/public/lenders?industry=commercial-bakeries
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.