Franchise financing
Crumbl franchise financing
What it costs to finance a Crumbl franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 298
- Total funded
- $176.9M
- Median loan
- $470K
- 7(a) charge-off
- 0.0%
What financing a Crumbl franchise costs
The median SBA loan to a Crumbl franchisee is $470K, and the middle half of Crumbl's 298 loans run $341K to $630K (average $593K). Across all SBA-financed franchises the median loan is $350K. Crumbl buyers borrow more than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median Crumbl loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 295 Crumbl loans where the SBA recorded a business age, 83.7% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Crumbl
Crumbl franchisees have financed with 298 SBA loans since FY2010, averaging $593K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (298 of the 298 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Crumbl's 7(a) charge-off rate is 0.0% across 298 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Crumbl
By SBA loan count
Where Crumbl gets funded
Top states by loan count
- 1. Texas 33
- 2. California 33
- 3. Florida 28
- 4. Ohio 28
- 5. Georgia 19
- 6. Indiana 8
- 7. Kentucky 6
- 8. Utah 7
Financing a Crumbl?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
Crumbl SBA financing FAQ
How much does a Crumbl franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Crumbl franchisee is $470K, and the middle half of Crumbl's 298 loans run $341K to $630K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Crumbl's franchise disclosure document.
Can you use an SBA loan for Crumbl?
Yes. Lenders have funded 298 SBA loans to Crumbl franchisees, worth $176.9M in all, so Crumbl is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Crumbl?
The data says yes: of Crumbl's 295 SBA loans that record a business age, 83.7% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance Crumbl?
By loan count, the most active SBA lenders for Crumbl are Live Oak Banking Company, The Huntington National Bank, First Bank of the Lake, among others. A lender already active with your brand often moves faster.
What is Crumbl's SBA charge-off rate?
Across Crumbl's 298 SBA 7(a) loans, 0.0% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits Crumbl?
Mostly 7(a): 298 of Crumbl's 298 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Crumbl loan term is 10 years.