How much do lenders finance for a Golden Krust Caribbean Bakery & Grill franchise?

The median SBA loan approved for a Golden Krust Caribbean Bakery & Grill franchise is $284,000, with the middle 80% of loans between $50,000 and $675,000. 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 Golden Krust Caribbean Bakery & Grill franchises?

By dollars approved, the most active SBA lenders for Golden Krust Caribbean Bakery & Grill have been PNC Bank, United Community Bank, Zions Bank, A Division of, Oconee 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 Golden Krust Caribbean Bakery & Grill SBA loans?

The median term is 10.3 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 Golden Krust Caribbean Bakery & Grill franchise

SBA lenders have approved 14 loans against the Golden Krust Caribbean Bakery & Grill brand since FY2010, totalling $4.6M. The median approval was $284,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1242

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$284,000

Typical range

$50K-$675K

Middle 80% of loans

Median term

10.3 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 Golden Krust Caribbean Bakery & Grill

Lender	Loans	Approved
PNC Bank	2	$1.6M
United Community Bank	3	$1.4M
Zions Bank, A Division of	1	$350K
Oconee State Bank	1	$350K
Small Business Access Partners, Inc.	1	$248K
Stearns Bank	1	$180K
Grow America Fund, Incorporated	1	$125K
TD Bank	2	$100K

Geography

Where Golden Krust Caribbean Bakery & Grill units were financed

State	Loans	Share
New York	5
Georgia	4
North Carolina	2
Texas	1
Florida	1
New Jersey	1

Approvals by fiscal year

’16

’17

’18

’19

’20

’21

’22

’23

’24

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

Loan sizes

$50K - $150K
36%
$150K - $350K
21%
$350K - $1M
43%

Financing a Golden Krust Caribbean Bakery & Grill: common questions

How much do lenders finance for a Golden Krust Caribbean Bakery & Grill franchise?: The median SBA loan approved for a Golden Krust Caribbean Bakery & Grill franchise is $284,000, with the middle 80% of loans between $50,000 and $675,000. 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 Golden Krust Caribbean Bakery & Grill franchises?: By dollars approved, the most active SBA lenders for Golden Krust Caribbean Bakery & Grill have been PNC Bank, United Community Bank, Zions Bank, A Division of, Oconee 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 Golden Krust Caribbean Bakery & Grill SBA loans?: The median term is 10.3 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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