How much do lenders finance for a Crave Cookies franchise?

The median SBA loan approved for a Crave Cookies franchise is $315,000, with the middle 80% of loans between $244,000 and $469,000. 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 Crave Cookies franchises?

By dollars approved, the most active SBA lenders for Crave Cookies have been Gulf Coast Bank and Trust Company, Climate First Bank, Valley National Bank, The Bank of Houston. 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 Crave Cookies SBA loans?

The median term is 10 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 Crave Cookies franchise

SBA lenders have approved 13 loans against the Crave Cookies brand since FY2010, totalling $4.5M. The median approval was $315,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1349

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$315,000

Typical range

$244K-$469K

Middle 80% of loans

Median term

10 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 Crave Cookies

Lender	Loans	Approved
Gulf Coast Bank and Trust Company	2	$717K
Climate First Bank	1	$486K
Valley National Bank	1	$469K
The Bank of Houston	1	$462K
Canyon View Federal Credit Union	1	$350K
Wilmington Savings Fund Society	1	$327K
Sunshine State Economic Development Corporation	1	$315K
DreamSpring	1	$300K

Geography

Where Crave Cookies units were financed

State	Loans	Share
Utah	4
Florida	4
Arizona	1
Texas	1
Illinois	1
New Jersey	1
Pennsylvania	1

Approvals by fiscal year

’22

’23

’24

’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

$150K - $350K
62%
$350K - $1M
38%

Financing a Crave Cookies: common questions

How much do lenders finance for a Crave Cookies franchise?: The median SBA loan approved for a Crave Cookies franchise is $315,000, with the middle 80% of loans between $244,000 and $469,000. 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 Crave Cookies franchises?: By dollars approved, the most active SBA lenders for Crave Cookies have been Gulf Coast Bank and Trust Company, Climate First Bank, Valley National Bank, The Bank of Houston. 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 Crave Cookies SBA loans?: The median term is 10 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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