Crumbl Cookies SBA Loans

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Joining the Crumbl Cookies franchise network can be an exciting opportunity for entrepreneurs looking to tap into a growing brand with a loyal customer base. Crumbl Cookies has quickly risen in popularity due to its unique offering of freshly baked cookies, distinctive flavors, and a business model designed for scalability and success. This guide will explore the key aspects of becoming a Crumbl Cookies franchisee, focusing particularly on financing options, with a spotlight on the benefits of Small Business Administration (SBA) loans.

Why Crumbl Cookies?

Crumbl Cookies stands out in the crowded bakery sector with its innovative approach to cookies. With a rotating menu that features over 120+ unique flavors—from the classic chocolate chip to inventive creations like honey bun or cornbread—Crumbl has cultivated a dedicated following. As a franchisee, you benefit from the brand’s robust marketing, comprehensive support, and an established operational system which significantly reduces the typical startup challenges.

Franchisee Requirements and Support

To ensure the success of each franchise, Crumbl Cookies has set clear requirements for prospective franchisees, including financial prerequisites and personal qualifications like business acumen and commitment to quality. Once on board, franchisees receive extensive training, site selection assistance, and ongoing support in marketing and operations.

Financing Your Crumbl Cookies Franchise

Understanding Franchise Financing

Financing is a critical step in becoming a franchise owner. Prospective franchisees must ensure they have access to the necessary capital to cover initial franchise fees, store setup costs, inventory, and working capital.

Why Consider an SBA Loan?

1. Designed for Small Businesses: SBA loans are government-backed loans specifically designed to assist small businesses. The U.S. Small Business Administration works with lenders to provide loans that might not otherwise be available and at more favorable terms.

2. Lower Down Payments and Competitive Rates: One of the main attractions of an SBA loan is the comparatively lower down payment requirement. This is particularly beneficial for new entrepreneurs who may not have extensive capital at their disposal but have solid business prospects. Additionally, SBA loans often offer competitive interest rates, making them more affordable than many other financing options.

3. Long Repayment Terms: SBA loans can have longer repayment terms, up to 10 years for equipment and 25 years for real estate. Longer terms mean lower monthly payments, which can be crucial for cash flow management in the initial years of operating your Crumbl Cookies franchise.

4. Resources and Counseling: SBA provides not just financial assistance but also counseling and resources to help entrepreneurs plan and grow their business effectively. This can be invaluable for first-time franchisees entering the competitive retail and food service markets.

Crumbl Cookies SBA Loans by Quarter

Franchise# of Loans Avg LoanAvg RateYearQtr
Crumbl9 $744,8569.9%20233
Crumbl17 $666,9189.8%20232
Crumbl21 $539,1439.5%20231
Crumbl15 $559,5808.7%20224
Crumbl15 $777,0677.7%20223
Crumbl16 $448,3135.8%20222
Crumbl19 $612,7745.4%20221

Age of Crumbl Cookies at time of SBA financing

Franchise# of Loans Avg LoanAvg RateBusiness Age
Crumbl6 $1,823,3338.4%Change of Ownership
Crumbl10 $415,9807.6%Existing or more than 2 years old
Crumbl24 $550,2838.3%New Business or 2 years or less
Crumbl72 $554,4748.0%Startup, Loan Funds will Open Business


Becoming a Crumbl Cookies franchisee is more than just selling cookies; it’s about building a community and creating experiences that customers cherish. With the right planning and resources, particularly in securing financing like SBA loans, you can establish a thriving business that grows over time. Remember, the journey of a thousand miles begins with a single cookie—or in this case, perhaps a single Crumbl store.

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