Food & Restaurants · lender intelligence

Financing a retail bakeries acquisition

State:

The SBA 7(a) lenders funding the most retail bakeries acquisitions, ranked from public loan records — typical deal about $451K. A lender doing your industry every week underwrites faster and prices sharper.

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

$405K

Typical loan

range $160K–$809K

$449K

Est. purchase price

≈ loan ÷ 90%

$60,113

Cash to close

$44,944 down + fees

$5,234/mo

Typical payment

~9.5% · 10yr

$72,229/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

100.0%

Still performing

0% default · FY20–23

18 days

Typical time to fund

Lenders competing

more = leverage

8.26%

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 retail bakeries

Ranked by funded retail 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 →
3.168 loans · $205M · Fishers, INFull record →
4.101 loans · $81M · Pasadena, CAFull record →
5.1,927 loans · $207M · Buffalo, NYFull record →
6.20 loans · $8M · Saint Petersburg, FLFull record →
7.328 loans · $134M · Cleveland, OHFull record →
8.2 loans · $0M · Storm Lake, IAFull record →
9.16 loans · $18M · Chicago, ILFull record →
10.65 loans · $52M · Lancaster, PAFull record →
11.242 loans · $281M · Chicago, ILFull record →
12.9 loans · $10M · Warren, PAFull record →
13.154 loans · $26M · San Diego, CAFull record →
14.57 loans · $74M · Winston-Salem, NCFull record →
15.11 loans · $2M · Wyalusing, PAFull record →
16.1 loans · $0M · Thomaston, CTFull record →
17.2 loans · $0M · Fargo, NDFull record →
18.54 loans · $22M · Chubbuck, IDFull record →
19.4 loans · $2M · Dallas, TXFull record →
20.11 loans · $4M · Hyannis, MAFull record →
21.9 loans · $13M · Atlanta, GAFull record →
22.9 loans · $5M · Wausau, WIFull record →
23.60 loans · $130M · Doraville, GAFull record →
24.104 loans · $100M · Portsmouth, VAFull record →
25.18 loans · $10M · Manitowoc, WIFull record →

86+ funded retail 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.

The Red Front Porch LLC in Prior Lake, MN — $558K (2026) · purchase · Scale Bank
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$418K (75%)
Approved
11/14/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$619K
Est. down payment (10%)
$62K
Est. cash at closing
$83K
Monthly payment
$6,691
Annual debt service
$80K
Cash flow needed (1.25×)
$100K
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 Scale Bank · Lender record →
Your business? Claim this record · Request removal
NBC Billings LLC in Billings, MT — $400K (2026) · purchase · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
6.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$300K (75%)
Approval → funding
6 days
Approved
12/18/2025
First disbursed
12/24/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$444K
Est. down payment (10%)
$44K
Est. cash at closing
$59K
Monthly payment
$4,593
Annual debt service
$55K
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 Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
Mavs TB LLC in Middletown, NJ — $344K (2026) · purchase · Byline Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$258K (75%)
Approval → funding
7 days
Approved
1/23/2026
First disbursed
1/30/2026
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
Retail Bakeries
If you were the buyer here
Est. deal size
$382K
Est. down payment (10%)
$38K
Est. cash at closing
$51K
Monthly payment
$4,594
Annual debt service
$55K
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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
Cafe Hasbrouck Heights in Hasbrouck Heights, NJ — $185K (2026) · purchase · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$139K (75%)
Approval → funding
11 days
Approved
1/12/2026
First disbursed
1/23/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$206K
Est. down payment (10%)
$21K
Est. cash at closing
$27K
Monthly payment
$2,419
Annual debt service
$29K
Cash flow needed (1.25×)
$36K
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 Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Cops & Doughnuts in Clare, MI — $3.1M (2025) · purchase · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
174 months
SBA guaranteed
$2.3M (75%)
Approval → funding
60 days
Approved
3/24/2025
First disbursed
5/23/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
80
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$3.5M
Est. down payment (10%)
$347K
Est. cash at closing
$479K
Monthly payment
$33,592
Annual debt service
$403K
Cash flow needed (1.25×)
$504K
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 Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
JEC Investments Inc in Cranberry Township, PA — $2.9M (2025) · purchase · First National Bank of Pennsylvania
Program
Preferred Lenders Program
Rate at approval
9.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$2.2M (75%)
Approved
9/9/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
104
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$3.2M
Est. down payment (10%)
$321K
Est. cash at closing
$443K
Monthly payment
$37,396
Annual debt service
$449K
Cash flow needed (1.25×)
$561K
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 Pennsylvania · Lender record →
Your business? Claim this record · Request removal
Burrow Bliss Enterprises LLC in Denton, TX — $2.5M (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
6.99% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$1.9M (75%)
Approval → funding
28 days
Approved
7/31/2025
First disbursed
8/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$2.8M
Est. down payment (10%)
$279K
Est. cash at closing
$385K
Monthly payment
$17,752
Annual debt service
$213K
Cash flow needed (1.25×)
$266K
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
Benjamin's Bakery in Surfside, SC — $2.5M (2025) · purchase · United Community Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
174 months
SBA guaranteed
$1.9M (75%)
Approval → funding
2 days
Approved
4/2/2025
First disbursed
4/4/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
29
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$2.8M
Est. down payment (10%)
$275K
Est. cash at closing
$379K
Monthly payment
$25,515
Annual debt service
$306K
Cash flow needed (1.25×)
$383K
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 Community Bank · Lender record →
Your business? Claim this record · Request removal
THE DAILY LOAF, LLC in Milford, MA — $998K (2025) · purchase · T Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
300 mo (25 yrs)
SBA guaranteed
$749K (75%)
Approval → funding
26 days
Approved
1/8/2025
First disbursed
2/3/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$111K
Est. cash at closing
$152K
Monthly payment
$8,375
Annual debt service
$101K
Cash flow needed (1.25×)
$126K
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 T Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Burrows Holdings - Flying LLC in Rushville, IN — $939K (2025) · purchase · First Internet Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$704K (75%)
Approved
10/24/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$1.0M
Est. down payment (10%)
$104K
Est. cash at closing
$143K
Monthly payment
$12,802
Annual debt service
$154K
Cash flow needed (1.25×)
$192K
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 Internet Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
G&E Grace Corp. in Sierra Madre, CA — $704K (2025) · purchase · VelocitySBA, LLC
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$528K (75%)
Approval → funding
10 days
Approved
8/8/2025
First disbursed
8/18/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
25
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$782K
Est. down payment (10%)
$78K
Est. cash at closing
$107K
Monthly payment
$9,401
Annual debt service
$113K
Cash flow needed (1.25×)
$141K
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 VelocitySBA, LLC · Lender record →
Your business? Claim this record · Request removal
Cocolate Baking LLC in Oak Park, IL — $500K (2025) · purchase · Truliant FCU
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
11 days
Approved
9/19/2025
First disbursed
9/30/2025
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
Retail Bakeries
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$6,608
Annual debt service
$79K
Cash flow needed (1.25×)
$99K
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 Truliant FCU · Lender record →
Your business? Claim this record · Request removal
D & J BAKING LLC in Youngstown, OH — $500K (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
27 days
Approved
1/31/2025
First disbursed
2/27/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$6,677
Annual debt service
$80K
Cash flow needed (1.25×)
$100K
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
Chocolate DNA LLC in Middletown, NJ — $420K (2025) · purchase · Truliant FCU
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$315K (75%)
Approval → funding
50 days
Approved
5/27/2025
First disbursed
7/16/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$467K
Est. down payment (10%)
$47K
Est. cash at closing
$62K
Monthly payment
$5,609
Annual debt service
$67K
Cash flow needed (1.25×)
$84K
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 Truliant FCU · Lender record →
Your business? Claim this record · Request removal
Breadsmith in Saint Louis, MO — $340K (2025) · purchase · St. Louis Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$255K (75%)
Approval → funding
7 days
Approved
10/18/2024
First disbursed
10/25/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$378K
Est. down payment (10%)
$38K
Est. cash at closing
$51K
Monthly payment
$4,540
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 St. Louis Bank · Lender record →
Your business? Claim this record · Request removal
AJR Bakeries Inc. in Cincinnati, OH — $280K (2025) · purchase · Republic Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
7.75% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$210K (75%)
Approved
7/17/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$311K
Est. down payment (10%)
$31K
Est. cash at closing
$42K
Monthly payment
$3,360
Annual debt service
$40K
Cash flow needed (1.25×)
$50K
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 Republic Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
ECH Ventures LLC in Milford, CT — $270K (2025) · purchase · Manufacturers and Traders Trust Company
Program
Preferred Lenders Program
Rate at approval
8.6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$203K (75%)
Approval → funding
47 days
Approved
9/26/2025
First disbursed
11/12/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$300K
Est. down payment (10%)
$30K
Est. cash at closing
$40K
Monthly payment
$3,362
Annual debt service
$40K
Cash flow needed (1.25×)
$50K
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 Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
Bakery El Oasis Del Sabor LLC in Manassas, VA — $230K (2025) · purchase · CDC Small Business Finance Corp.
Program
7a General
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$173K (75%)
Approval → funding
106 days
Approved
12/20/2024
First disbursed
4/5/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$256K
Est. down payment (10%)
$26K
Est. cash at closing
$34K
Monthly payment
$3,168
Annual debt service
$38K
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 CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
Rise Bakery SC LLC in Greenville, SC — $182K (2025) · purchase · Countybank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$137K (75%)
Approval → funding
9 days
Approved
4/21/2025
First disbursed
4/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$202K
Est. down payment (10%)
$20K
Est. cash at closing
$27K
Monthly payment
$2,330
Annual debt service
$28K
Cash flow needed (1.25×)
$35K
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 Countybank · Lender record →
Your business? Claim this record · Request removal
Bunny Rising Operations LLC in Denton, TX — $100K (2025) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approved
7/31/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
21
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,280
Annual debt service
$15K
Cash flow needed (1.25×)
$19K
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

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

Agent summary

How to finance a retail 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.

$451K typical loan
57 lenders fund the industry
0% default (FY20–23)
18 days typical to fund

Buyers researching a retail 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 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/retail-bakeries
API:: https://www.capbench.com/api/public/lenders?industry=retail-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.