Franchise financing
EDIBLE ARRANGEMENTS franchise financing
What it costs to finance a EDIBLE ARRANGEMENTS 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
- 302
- Total funded
- $71.9M
- Median loan
- $189K
- 7(a) charge-off
- 9.4%
What financing a EDIBLE ARRANGEMENTS franchise costs
The median SBA loan to a EDIBLE ARRANGEMENTS franchisee is $189K, and the middle half of EDIBLE ARRANGEMENTS's 302 loans run $118K to $283K (average $238K). Across all SBA-financed franchises the median loan is $350K. EDIBLE ARRANGEMENTS buyers borrow less 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 EDIBLE ARRANGEMENTS loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 285 EDIBLE ARRANGEMENTS loans where the SBA recorded a business age, 40.4% went to new businesses two years old or younger. The rest funded existing operations.
How to finance EDIBLE ARRANGEMENTS
EDIBLE ARRANGEMENTS franchisees have financed with 302 SBA loans since FY2010, averaging $238K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (298 of the 302 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
EDIBLE ARRANGEMENTS's 7(a) charge-off rate is 9.4% across 298 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance EDIBLE ARRANGEMENTS
By SBA loan count
Where EDIBLE ARRANGEMENTS gets funded
Top states by loan count
- 1. Florida 36
- 2. Pennsylvania 23
- 3. Ohio 14
- 4. Texas 28
- 5. Georgia 17
- 6. New York 13
- 7. California 19
- 8. North Carolina 11
Financing a EDIBLE ARRANGEMENTS?
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.
EDIBLE ARRANGEMENTS SBA financing FAQ
How much does a EDIBLE ARRANGEMENTS franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a EDIBLE ARRANGEMENTS franchisee is $189K, and the middle half of EDIBLE ARRANGEMENTS's 302 loans run $118K to $283K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of EDIBLE ARRANGEMENTS's franchise disclosure document.
Can you use an SBA loan for EDIBLE ARRANGEMENTS?
Yes. Lenders have funded 302 SBA loans to EDIBLE ARRANGEMENTS franchisees, worth $71.9M in all, so EDIBLE ARRANGEMENTS is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for EDIBLE ARRANGEMENTS?
The data says yes: of EDIBLE ARRANGEMENTS's 285 SBA loans that record a business age, 40.4% 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 EDIBLE ARRANGEMENTS?
By loan count, the most active SBA lenders for EDIBLE ARRANGEMENTS are Wells Fargo Bank National Association, The Huntington National Bank, Stearns Bank National Association, among others. A lender already active with your brand often moves faster.
What is EDIBLE ARRANGEMENTS's SBA charge-off rate?
Across EDIBLE ARRANGEMENTS's 298 SBA 7(a) loans, 9.4% 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 EDIBLE ARRANGEMENTS?
Mostly 7(a): 298 of EDIBLE ARRANGEMENTS's 302 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median EDIBLE ARRANGEMENTS loan term is 10 years.