Lender intelligence

Financing a retail bakeries acquisition in Ohio

State:

California (12)Colorado (2)Connecticut (3)Florida (2)Georgia (2)Idaho (1)Illinois (4)Indiana (4)Iowa (2)Maryland (3)Massachusetts (3)Michigan (3)

The SBA 7(a) lenders funding the most retail bakeries acquisitions in Ohio, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.

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

$183K

Typical loan

range $25K–$280K

$203K

Est. purchase price

≈ loan ÷ 90%

$27,196

Cash to close

$20,333 down + fees

$2,679/mo

Typical payment

~12.5% · 10yr

$36,970/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

27 days

Typical time to fund

Lenders competing

more = leverage

8.54%

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 · Ohio

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.328 loans · $134M · Cleveland, OHFull record →
3.42 loans · $19M · Louisville, KYFull record →

6+ funded Retail Bakeries in Ohio 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.

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
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
Catie Cakes LLC in Cincinnati, OH — $25K (2025) · purchase · KeyBank National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
18 days
Approved
9/4/2025
First disbursed
9/22/2025
Loan status
Current
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
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$323
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 KeyBank National Association · Lender record →
Your business? Claim this record · Request removal
D & J BAKING LLC in Youngstown, OH — $25K (2025) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
186 days
Approved
1/31/2025
First disbursed
8/5/2025
Loan status
Current
Loan type
Revolving line
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
$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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
CAOB Enterprises, Ltd. in Columbus, OH — $183K (2021) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$137K (75%)
Approval → funding
15 days
Approved
10/16/2020
First disbursed
10/31/2020
Loan status
Paid in full (3/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$203K
Est. down payment (10%)
$20K
Est. cash at closing
$27K
Monthly payment
$2,009
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
The Mad Batter Bakeshop Ltd in Chagrin Falls, OH — $117K (2021) · purchase · Growth Capital Corp.
Program
Community Advantage Initiative
Subprogram
Community Advantage Initiative
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$105K (90%)
Approved
8/25/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Retail Bakeries
If you were the buyer here
Est. deal size
$130K
Est. down payment (10%)
$13K
Est. cash at closing
$17K
Monthly payment
$1,404
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 Growth Capital Corp. · Lender record →
Your business? Claim this record · Request removal

Financing a retail bakeries deal in Ohio? Start with the right lender

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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to retail bakeries businesses with a Ohio project address.

Agent summary

How to finance a retail bakeries acquisition in Ohio with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Ohio deals. The Huntington National Bank funds the most here. CapBench is not a lender.

$451K typical loan
4 lenders active in Ohio
6+ funded Ohio deals
27 days typical to fund

Buyers buying a retail bakeries in Ohio typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All retail bakeries lenders

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.
Canonical:: https://www.capbench.com/lenders/industry/retail-bakeries/ohio
API:: https://www.capbench.com/api/public/lenders?industry=retail-bakeries&state=OH
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.