Industry · lender intelligence

Financing a cookie and cracker manufacturing acquisition

State:

The SBA 7(a) lenders funding the most cookie and cracker manufacturing acquisitions, ranked from public loan records — typical deal about $449K. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance cookie and cracker manufacturing

$268K

Typical loan

range $259K–$350K

$297K

Est. purchase price

≈ loan ÷ 90%

$39,754

Cash to close

$29,722 down + fees

$3,685/mo

Typical payment

~11% · 10yr

$50,853/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

20 days

Typical time to fund

Lenders competing

more = leverage

8.2%

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 cookie and cracker manufacturing

Ranked by funded cookie and cracker manufacturing acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.32 loans · $54M · Tupelo, MSFull record →
2.60 loans · $40M · Clayton, MOFull record →
3.104 loans · $100M · Portsmouth, VAFull record →
4.4 loans · $2M · Frankfort, INFull record →
5.242 loans · $281M · Chicago, ILFull record →

5+ funded cookie and cracker manufacturing 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.

Tangerine Sweets LLC in Corning, NY — $350K (2026) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approved
3/3/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Cookie and Cracker Manufacturing
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$4,529
Annual debt service
$54K
Cash flow needed (1.25×)
$68K
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
Elegant Cravings LLC in Fishers, IN — $259K (2025) · purchase · The Farmers Bank, Frankfort, Indiana
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$194K (75%)
Approval → funding
12 days
Approved
2/19/2025
First disbursed
3/3/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Cookie and Cracker Manufacturing
If you were the buyer here
Est. deal size
$288K
Est. down payment (10%)
$29K
Est. cash at closing
$39K
Monthly payment
$3,285
Annual debt service
$39K
Cash flow needed (1.25×)
$49K
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 Farmers Bank, Frankfort, Indiana · Lender record →
Your business? Claim this record · Request removal
Cookies by Design in Grandville, MI — $227K (2024) · purchase · TowneBank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$170K (75%)
Approval → funding
20 days
Approved
2/9/2024
First disbursed
2/29/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Change of Ownership
Industry
Cookie and Cracker Manufacturing
If you were the buyer here
Est. deal size
$252K
Est. down payment (10%)
$25K
Est. cash at closing
$34K
Monthly payment
$3,159
Annual debt service
$38K
Cash flow needed (1.25×)
$47K
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
STLCookies LLC in Des Peres, MO — $500K (2022) · purchase · Midwest Regional Bank
Program
7a General
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
2 days
Approved
10/6/2021
First disbursed
10/8/2021
Loan status
Paid in full (5/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
65
Business age
Change of Ownership
Industry
Cookie and Cracker Manufacturing
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$5,551
Annual debt service
$67K
Cash flow needed (1.25×)
$83K
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 Midwest Regional Bank · Lender record →
Your business? Claim this record · Request removal
Batter up LLC in Peachtree City, GA — $268K (2020) · purchase · Renasant Bank
Program
7a General
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$201K (75%)
Approval → funding
30 days
Approved
7/1/2020
First disbursed
7/31/2020
Loan status
Paid in full (5/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Change of Ownership
Industry
Cookie and Cracker Manufacturing
If you were the buyer here
Est. deal size
$297K
Est. down payment (10%)
$30K
Est. cash at closing
$40K
Monthly payment
$2,870
Annual debt service
$34K
Cash flow needed (1.25×)
$43K
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 Renasant Bank · 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 cookie and cracker manufacturing businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a cookie and cracker manufacturing 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. Renasant Bank funds the most. CapBench is not a lender.

$449K typical loan
5 lenders fund the industry
20 days typical to fund

Buyers researching a cookie and cracker manufacturing 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/cookie-and-cracker-manufacturing
API:: https://www.capbench.com/api/public/lenders?industry=cookie-and-cracker-manufacturing
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.