H & H Bagels
4
SBA Loans
$3.5M
Total Financed
$875K
Avg Loan Size
—
YoY Loan Growth
How H & H Bagels Compares
- Ranks #453 of 1,075 Restaurants & Food brands by SBA loan count (#1,647 of 3,543 overall).
- Its average loan of $875K is 109% above the Restaurants & Food median of $419K.
- With only 4 loans on record, its own charge-off rate isn't statistically meaningful -- for context, Restaurants & Food brands overall see a 1.3% charge-off rate across 11,372 loans.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2024 | 1 | $1.1M |
| FY2025 | 2 | $1.6M |
| FY2026 | 1 | $766K |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where H & H Bagels Is Getting SBA-Financed
Recent SBA-Financed H & H Bagels Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is H & H Bagels growing or shrinking?
H & H Bagels doesn't have enough SBA loan activity in both FY2025 and FY2026 to calculate a reliable year-over-year trend. For context, it ranks #453 of 1,075 Restaurants & Food brands by total SBA loan count since FY2020 -- a snapshot of scale, if not of trend.
How much does it cost to open a H & H Bagels 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 $875K (109% above 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 H & H Bagels?
H & H Bagels only has 4 SBA loans on record -- too few to calculate a meaningful charge-off rate on its own. For context, Restaurants & Food brands overall see a 1.3% charge-off rate across 11,372 loans.
Top SBA Lenders
- ConnectOne Bank1
- First Bank of the Lake1
- Citizens Bank1
- One Florida 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