How much do lenders finance for a Ben's Soft Pretzels franchise?

The median SBA loan approved for a Ben's Soft Pretzels franchise is $74,700, with the middle 80% of loans between $25,000 and $115,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Ben's Soft Pretzels franchises?

By dollars approved, the most active SBA lenders for Ben's Soft Pretzels have been Lake City Bank, Peoples Bank, The Huntington National Bank, State Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are Ben's Soft Pretzels SBA loans?

The median term is 7.3 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a Ben's Soft Pretzels franchise

SBA lenders have approved 12 loans against the Ben's Soft Pretzels brand since FY2010, totalling $887K. The median approval was $74,700. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1410

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$74,700

Typical range

$25K-$115K

Middle 80% of loans

Median term

7.3 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed Ben's Soft Pretzels

Lender	Loans	Approved
Lake City Bank	3	$275K
Peoples Bank	3	$253K
The Huntington National Bank	3	$143K
State Bank	1	$80K
Three Rivers Federal Credit Union	1	$76K
JPMorgan Chase Bank	1	$60K

Geography

Where Ben's Soft Pretzels units were financed

State	Loans	Share
Indiana	9
Ohio	3

Approvals by fiscal year

’15

’16

’17

’18

’20

’24

’26

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

Under $50K
17%
$50K - $150K
83%

Financing a Ben's Soft Pretzels: common questions

How much do lenders finance for a Ben's Soft Pretzels franchise?: The median SBA loan approved for a Ben's Soft Pretzels franchise is $74,700, with the middle 80% of loans between $25,000 and $115,000. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Ben's Soft Pretzels franchises?: By dollars approved, the most active SBA lenders for Ben's Soft Pretzels have been Lake City Bank, Peoples Bank, The Huntington National Bank, State Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are Ben's Soft Pretzels SBA loans?: The median term is 7.3 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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