How much do lenders finance for a Breadsmith franchise?

The median SBA loan approved for a Breadsmith franchise is $101,600, with the middle 80% of loans between $25,000 and $340,000. 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 Breadsmith franchises?

By dollars approved, the most active SBA lenders for Breadsmith have been Bank First, Associated Bank, American National Bank-Fox Cities, St. Louis 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 Breadsmith 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 Breadsmith franchise

SBA lenders have approved 15 loans against the Breadsmith brand since FY2010, totalling $2.2M. The median approval was $101,600. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1193

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$101,600

Typical range

$25K-$340K

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 Breadsmith

Lender	Loans	Approved
Bank First	2	$484K
Associated Bank	5	$427K
American National Bank-Fox Cities	3	$400K
St. Louis Bank	1	$340K
Independent Bank	2	$331K
Midwest Regional Bank	1	$150K
First Community CU	1	$89K

Geography

Where Breadsmith units were financed

State	Loans	Share
Wisconsin	10
Michigan	2
North Dakota	1
Missouri	1
Arizona	1

Approvals by fiscal year

’10

’11

’12

’13

’21

’23

’25

’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
13%
$50K - $150K
53%
$150K - $350K
27%
$350K - $1M
7%

Financing a Breadsmith: common questions

How much do lenders finance for a Breadsmith franchise?: The median SBA loan approved for a Breadsmith franchise is $101,600, with the middle 80% of loans between $25,000 and $340,000. 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 Breadsmith franchises?: By dollars approved, the most active SBA lenders for Breadsmith have been Bank First, Associated Bank, American National Bank-Fox Cities, St. Louis 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 Breadsmith 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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