Lender intelligence
Financing a retail bakeries acquisition in Utah
The SBA 7(a) lenders funding the most retail bakeries acquisitions in Utah, 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 Utah
$310K
Typical loan
range $85K–$310K
$344K
Est. purchase price
≈ loan ÷ 90%
$46,010
Cash to close
$34,400 down + fees
$4,265/mo
Typical payment
~11% · 10yr
$58,857/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
15 days
Typical time to fund
1
Lenders competing
more = leverage
7.5%
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 · Utah
Ranked by funded retail bakeries acquisitions in Utah. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.2 loans · $0M · Storm Lake, IAFull record →
2+ funded Retail Bakeries in Utah 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.
- DeliPan Bakery & Cafe, LLC in Provo, UT — $310K (2023) · purchase · Central Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $232K (75%)
- Approval → funding
- 15 days
- Approved
- 1/25/2023
- First disbursed
- 2/9/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $344K
- Est. down payment (10%)
- $34K
- Est. cash at closing
- $46K
- Monthly payment
- $4,006
- Annual debt service
- $48K
- Cash flow needed (1.25×)
- $60K
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 Central Bank · Lender record →
Your business? Claim this record · Request removal
- Delipan Bakery in Provo, L.L.C. in Provo, UT — $85K (2022) · purchase · Central Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $72K (85%)
- Approval → funding
- 13 days
- Approved
- 2/9/2022
- First disbursed
- 2/22/2022
- Loan status
- Paid in full (2/28/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $95K
- Est. down payment (10%)
- $9K
- Est. cash at closing
- $12K
- Monthly payment
- $1,627
- Annual debt service
- $20K
- Cash flow needed (1.25×)
- $24K
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 Central Bank · Lender record →
Your business? Claim this record · Request removal
Financing a retail bakeries deal in Utah? 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 Utah project address.
Agent summary
How to finance a retail bakeries acquisition in Utah with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Utah deals. Central Bank funds the most here. CapBench is not a lender.
- $451K typical loan
- 1 lenders active in Utah
- 2+ funded Utah deals
- 15 days typical to fund
Buyers buying a retail bakeries in Utah typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-23.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- 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.