How much do lenders finance for a Big Apple Bagels franchise?

The median SBA loan approved for a Big Apple Bagels franchise is $109,200, with the middle 80% of loans between $25,000 and $180,000. 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 Big Apple Bagels franchises?

By dollars approved, the most active SBA lenders for Big Apple Bagels have been WBD, Inc., National Bank of Commerce, Nicolet National Bank, Premier 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 Big Apple Bagels SBA loans?

The median term is 7 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 Big Apple Bagels franchise

SBA lenders have approved 11 loans against the Big Apple Bagels brand since FY2010, totalling $1.5M. The median approval was $109,200. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1446

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$109,200

Typical range

$25K-$180K

Middle 80% of loans

Median term

7 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 Big Apple Bagels

Lender	Loans	Approved
WBD, Inc.	1	$477K
National Bank of Commerce	2	$255K
Nicolet National Bank	2	$232K
Premier Bank	1	$180K
Ultima Bank Minnesota	1	$100K
North Shore Bank	1	$90K
Starion Bank	1	$77K
BankVista	1	$25K

Geography

Where Big Apple Bagels units were financed

State	Loans	Share
Wisconsin	5
Minnesota	5
North Dakota	1

Approvals by fiscal year

’10

’13

’14

’15

’21

’22

’25

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
18%
$50K - $150K
64%
$150K - $350K
9%
$350K - $1M
9%

Financing a Big Apple Bagels: common questions

How much do lenders finance for a Big Apple Bagels franchise?: The median SBA loan approved for a Big Apple Bagels franchise is $109,200, with the middle 80% of loans between $25,000 and $180,000. 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 Big Apple Bagels franchises?: By dollars approved, the most active SBA lenders for Big Apple Bagels have been WBD, Inc., National Bank of Commerce, Nicolet National Bank, Premier 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 Big Apple Bagels SBA loans?: The median term is 7 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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