Franchise financing
Paris Baguette franchise financing
What it costs to finance a Paris Baguette 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
- 128
- Total funded
- $145.0M
- Median loan
- $1.1M
- 7(a) charge-off
- 0.8%
What financing a Paris Baguette franchise costs
The median SBA loan to a Paris Baguette franchisee is $1.1M, and the middle half of Paris Baguette's 128 loans run $515K to $1.6M (average $1.1M). Across all SBA-financed franchises the median loan is $350K. Paris Baguette 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 Paris Baguette loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 126 Paris Baguette loans where the SBA recorded a business age, 75.4% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Paris Baguette
Paris Baguette franchisees have financed with 128 SBA loans since FY2010, averaging $1.1M each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (125 of the 128 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Paris Baguette's 7(a) charge-off rate is 0.8% across 125 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Paris Baguette
By SBA loan count
Where Paris Baguette gets funded
Top states by loan count
- 1. California 43
- 2. Texas 12
- 3. Virginia 11
- 4. New Jersey 10
- 5. Illinois 6
- 6. Ohio 8
- 7. Pennsylvania 4
- 8. Minnesota 3
Financing a Paris Baguette?
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.
Paris Baguette SBA financing FAQ
How much does a Paris Baguette franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Paris Baguette franchisee is $1.1M, and the middle half of Paris Baguette's 128 loans run $515K to $1.6M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Paris Baguette's franchise disclosure document.
Can you use an SBA loan for Paris Baguette?
Yes. Lenders have funded 128 SBA loans to Paris Baguette franchisees, worth $145.0M in all, so Paris Baguette is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Paris Baguette?
The data says yes: of Paris Baguette's 126 SBA loans that record a business age, 75.4% 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 Paris Baguette?
By loan count, the most active SBA lenders for Paris Baguette are Celtic Bank Corporation, The Huntington National Bank, Community Bank & Trust-West Georgia, among others. A lender already active with your brand often moves faster.
What is Paris Baguette's SBA charge-off rate?
Across Paris Baguette's 125 SBA 7(a) loans, 0.8% 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 Paris Baguette?
Mostly 7(a): 125 of Paris Baguette's 128 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Paris Baguette loan term is 10 years.