SBA Loans for Cold Stone Creamery Franchises
Who actually funds Cold Stone Creamery SBA 7(a) deals, and how much they lend. Sourced directly from SBA FOIA records covering every approved 7(a) loan from 2021–2026.
Top lenders funding Cold Stone Creamery SBA loans
Ranked by number of Cold Stone Creamery 7(a) loans approved since 2021.
| # | Lender | Loans | Total Volume | Avg Loan |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 36 | $10.1M | $280K |
| 2 | Citizens Bank | 21 | $10.5M | $501K |
| 3 | Readycap Lending, LLC | 6 | $2.1M | $353K |
| 4 | Manufacturers and Traders Trust Company | 5 | $1.8M | $350K |
| 4 | The Bancorp Bank National Association | 5 | $2.4M | $476K |
| 6 | Zions Bank, A Division of | 4 | $1.8M | $449K |
| 6 | U.S. Bank, National Association | 4 | $806K | $202K |
| 6 | Newtek Bank, National Association | 4 | $1.7M | $419K |
| 9 | First Bank of the Lake | 3 | $1.7M | $570K |
| 9 | AMPAC Tri-State CDC, Inc. | 3 | $941K | $314K |
| 9 | Commonwealth Business Bank | 3 | $797K | $266K |
| 9 | KeyBank National Association | 3 | $1.1M | $372K |
| 9 | Lake Michigan CU | 3 | $1.2M | $387K |
| 9 | Newtek Small Business Finance, Inc. | 3 | $1.4M | $477K |
| 9 | PNC Bank, National Association | 3 | $1.4M | $451K |
| 9 | SouthState Bank, National Association | 3 | $2.1M | $691K |
| 9 | United Community Bank | 3 | $1.5M | $500K |
Source: SBA FOIA 7(a) loan-level data, 2021–2026. Shows lenders with at least one approved Cold Stone Creamery loan in this period, ranked by loan count.
Cold Stone Creamery SBA loans by state
| State | Loans | Total Volume | Avg Loan |
|---|---|---|---|
| CA | 41 | $13.1M | $320K |
| FL | 17 | $7.5M | $444K |
| TX | 14 | $6.8M | $488K |
| AZ | 7 | $3.5M | $504K |
| NY | 7 | $3.5M | $503K |
| OH | 11 | $3.3M | $300K |
| CO | 5 | $3.2M | $631K |
| PA | 5 | $2.7M | $535K |
| SC | 3 | $2.3M | $781K |
| VA | 6 | $2.0M | $337K |
| NJ | 4 | $1.9M | $487K |
| AK | 1 | $1.8M | $1.8M |
| NC | 5 | $1.7M | $341K |
| MT | 5 | $1.7M | $334K |
| UT | 3 | $1.6M | $544K |
Cold Stone Creamery SBA loans by year
SBA lender notes for Cold Stone Creameryfrom the SBA Franchise Directory
1. When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Lease addendum to Lease agreement and all Sublease docuemnts may not be executed. 2. Lende/CDC must ensure they obtain the correct lien position on all collateral as required pursuant to the SOP 50 10. 3. An applicant operating under an Area Representative Agreement is NOT eligible.
How to use this
The lenders above have actually closed SBA 7(a) loans for Cold Stone Creamery franchisees, so they already understand the brand's model, unit economics, and franchise agreement. That familiarity usually means a faster, cleaner underwrite than a lender seeing the concept for the first time.
A lender being active historically doesn't mean they're the right fit for your deal size, location, or timing right now. That's where we come in — we match your Cold Stone Creamery deal to a lender currently funding this brand.
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