House of Bread
3
SBA Loans
$991K
Total Financed
$330K
Avg Loan Size
—
YoY Loan Growth
How House of Bread Compares
- Ranks #56 of 146 Other brands by SBA loan count (#1,799 of 3,543 overall).
- Its average loan of $330K is 8% above the Other median of $306K.
- With only 3 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 | 1 | $315K |
| FY2023 | 2 | $676K |
FY2023 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where House of Bread Is Getting SBA-Financed
Recent SBA-Financed House of Bread Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is House of Bread growing or shrinking?
House of Bread doesn't have enough SBA loan activity in both FY2022 and FY2023 to calculate a reliable year-over-year trend. For context, it ranks #56 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 House of Bread 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 $330K (8% above 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 House of Bread?
House of Bread only has 3 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
- Texas Bank2
- Alaska Growth Capital BIDCO, Inc.1
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset