How much do lenders finance for a The Toasted Yolk Cafe franchise?

The median SBA loan approved for a The Toasted Yolk Cafe franchise is $821,800, with the middle 80% of loans between $95,500 and $1,670,000. 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 The Toasted Yolk Cafe franchises?

By dollars approved, the most active SBA lenders for The Toasted Yolk Cafe have been Stearns Bank, The Huntington National Bank, Simmons Bank, First Bank of the Lake. 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 The Toasted Yolk Cafe SBA loans?

The median term is 10.5 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 The Toasted Yolk Cafe franchise

SBA lenders have approved 46 loans against the The Toasted Yolk Cafe brand since FY2010, totalling $43.9M. The median approval was $821,800. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#491

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$821,800

Typical range

$96K-$1.7M

Middle 80% of loans

Median term

10.5 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 The Toasted Yolk Cafe

Lender	Loans	Approved
Stearns Bank	3	$5.4M
The Huntington National Bank	4	$4.9M
Simmons Bank	3	$4.6M
First Bank of the Lake	4	$4.3M
Midwest Regional Bank	3	$2.4M
Beacon Bank and Trust	2	$2.3M
Old National Bank	4	$1.8M
Hancock Whitney Bank	1	$1.7M

Geography

Where The Toasted Yolk Cafe units were financed

State	Loans	Share
Texas	35
Tennessee	4
Alabama	3
Mississippi	2
Kentucky	1
Georgia	1

Approvals by fiscal year

’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
2%
$50K - $150K
17%
$150K - $350K
2%
$350K - $1M
41%
$1M - $2M
30%
Over $2M
7%

Financing a The Toasted Yolk Cafe: common questions

How much do lenders finance for a The Toasted Yolk Cafe franchise?: The median SBA loan approved for a The Toasted Yolk Cafe franchise is $821,800, with the middle 80% of loans between $95,500 and $1,670,000. 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 The Toasted Yolk Cafe franchises?: By dollars approved, the most active SBA lenders for The Toasted Yolk Cafe have been Stearns Bank, The Huntington National Bank, Simmons Bank, First Bank of the Lake. 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 The Toasted Yolk Cafe SBA loans?: The median term is 10.5 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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