How much do lenders finance for a Rocky Mountain Chocolate Factory franchise?

The median SBA loan approved for a Rocky Mountain Chocolate Factory franchise is $248,250, with the middle 80% of loans between $25,000 and $580,000. 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 Rocky Mountain Chocolate Factory franchises?

By dollars approved, the most active SBA lenders for Rocky Mountain Chocolate Factory have been The Huntington National Bank, U.S. Bank, Wells Fargo Bank, Celtic Bank Corporation. 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 Rocky Mountain Chocolate Factory 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 Rocky Mountain Chocolate Factory franchise

SBA lenders have approved 46 loans against the Rocky Mountain Chocolate Factory brand since FY2010, totalling $13.1M. The median approval was $248,250. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#484

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$248,250

Typical range

$25K-$580K

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 Rocky Mountain Chocolate Factory

Lender	Loans	Approved
The Huntington National Bank	9	$2.4M
U.S. Bank	6	$2.0M
Wells Fargo Bank	6	$992K
Celtic Bank Corporation	2	$976K
Newtek Bank	1	$825K
Citizens Bank	1	$697K
Zions Bank, A Division of	4	$593K
Bank of the West	1	$520K

Geography

Where Rocky Mountain Chocolate Factory units were financed

State	Loans	Share
Colorado	6
Utah	5
California	5
Michigan	5
Nevada	4
Ohio	4
New Mexico	3
Washington	2

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’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
17%
$50K - $150K
11%
$150K - $350K
39%
$350K - $1M
33%

Financing a Rocky Mountain Chocolate Factory: common questions

How much do lenders finance for a Rocky Mountain Chocolate Factory franchise?: The median SBA loan approved for a Rocky Mountain Chocolate Factory franchise is $248,250, with the middle 80% of loans between $25,000 and $580,000. 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 Rocky Mountain Chocolate Factory franchises?: By dollars approved, the most active SBA lenders for Rocky Mountain Chocolate Factory have been The Huntington National Bank, U.S. Bank, Wells Fargo Bank, Celtic Bank Corporation. 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 Rocky Mountain Chocolate Factory 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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