Breadsmith
5
SBA Loans
$1.1M
Total Financed
$213K
Avg Loan Size
—
YoY Loan Growth
How Breadsmith Compares
- Ranks #46 of 146 Other brands by SBA loan count (#1,419 of 3,543 overall).
- Its average loan of $213K is 31% below the Other median of $306K.
- With only 5 loans on record, its own charge-off rate isn't statistically meaningful -- for context, Other brands overall see a 2.1% charge-off rate across 1,541 loans.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2021 | 2 | $484K |
| FY2023 | 1 | $89K |
| FY2025 | 1 | $340K |
| FY2026 | 1 | $150K |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Breadsmith Is Getting SBA-Financed
Recent SBA-Financed Breadsmith Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Breadsmith growing or shrinking?
Breadsmith doesn't have enough SBA loan activity in both FY2025 and FY2026 to calculate a reliable year-over-year trend. For context, it ranks #46 of 146 Other brands by total SBA loan count since FY2020 -- a snapshot of scale, if not of trend.
How much does it cost to open a Breadsmith franchise?
We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $213K (31% below the typical Other brand's $306K) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for Breadsmith?
Breadsmith only has 5 SBA loans on record -- too few to calculate a meaningful charge-off rate on its own. For context, Other brands overall see a 2.1% charge-off rate across 1,541 loans.
Explore More
Top SBA Lenders
- Bank First, N.A.2
- First Community CU1
- St. Louis Bank1
- Midwest Regional Bank1
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset