How much do lenders finance for a Paris Baguette franchise?

The median SBA loan approved for a Paris Baguette franchise is $1,107,500, with the middle 80% of loans between $350,000 and $1,910,000. 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 Paris Baguette franchises?

By dollars approved, the most active SBA lenders for Paris Baguette have been Celtic Bank Corporation, The Bancorp Bank, The Huntington National Bank, FDIC - Community Bank & Trust-West Georgia. 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 Paris Baguette 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 Paris Baguette franchise

SBA lenders have approved 138 loans against the Paris Baguette brand since FY2010, totalling $157.7M. The median approval was $1,107,500. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#131

of 1,651 brands

Loans approved

138

FY2010 onward

Median loan

$1,107,500

Typical range

$350K-$1.9M

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 Paris Baguette

Lender	Loans	Approved
Celtic Bank Corporation	13	$21.5M
The Bancorp Bank	3	$8.4M
The Huntington National Bank	12	$8.3M
FDIC - Community Bank & Trust-West Georgia	5	$8.0M
Byline Bank	4	$6.6M
John Marshall Bank	3	$5.2M
First Bank of the Lake	4	$5.0M
Beacon Bank and Trust	3	$4.9M

Geography

Where Paris Baguette units were financed

State	Loans	Share
California	46
Texas	14
Virginia	11
New Jersey	10
Ohio	8
New York	7
Illinois	6
Pennsylvania	4

Approvals by fiscal year

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’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
1%
$50K - $150K
4%
$150K - $350K
4%
$350K - $1M
36%
$1M - $2M
46%
Over $2M
8%

Financing a Paris Baguette: common questions

How much do lenders finance for a Paris Baguette franchise?: The median SBA loan approved for a Paris Baguette franchise is $1,107,500, with the middle 80% of loans between $350,000 and $1,910,000. 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 Paris Baguette franchises?: By dollars approved, the most active SBA lenders for Paris Baguette have been Celtic Bank Corporation, The Bancorp Bank, The Huntington National Bank, FDIC - Community Bank & Trust-West Georgia. 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 Paris Baguette 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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