Cold Stone Creamery
208
SBA Loans
$80.4M
Total Financed
$386K
Avg Loan Size
+56%
YoY Loan Growth
How Cold Stone Creamery Compares
- Ranks #7 of 1,075 Restaurants & Food brands by SBA loan count (#20 of 3,543 overall).
- Its average loan of $386K is 8% below the Restaurants & Food median of $419K.
- Its 0.5% charge-off rate compares to a 1.3% average across all Restaurants & Food brands.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2020 | 23 | $5.5M |
| FY2021 | 27 | $10.8M |
| FY2022 | 36 | $10.9M |
| FY2023 | 29 | $11.4M |
| FY2024 | 25 | $12.5M |
| FY2025 | 39 | $15.9M |
| FY2026 | 29 | $13.4M |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Cold Stone Creamery Is Getting SBA-Financed
Recent SBA-Financed Cold Stone Creamery Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Cold Stone Creamery growing or shrinking?
Cold Stone Creamery's SBA loan count grew +56% year-over-year, suggesting rising financed expansion. This reflects SBA-backed financing activity, not necessarily total unit count -- see the methodology page for what this does and doesn't measure.
How much does it cost to open a Cold Stone Creamery 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 $386K (8% below the typical Restaurants & Food brand's $419K) is a rough proxy, but SBA loans often cover only part of total investment.
What's the SBA loan default rate for Cold Stone Creamery?
1 of 208 SBA loans to Cold Stone Creamery franchisees (0.5%) have been charged off since FY2020, compared to 1.3% across all Restaurants & Food brands.
Top SBA Lenders
- The Huntington National Bank44
- Citizens Bank22
- Newtek Bank, National Association8
- U.S. Bank, National Association6
- Readycap Lending, LLC6
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset