Financing a Crumbl with an SBA loan
Since FY2020, 31 Crumbl locations changed hands on an SBA 7(a) loan. Here is what those deals looked like, what the brand costs to open, which lenders wrote the loans, and where the brand stands with the SBA.
Crumbl franchising: crumblcookies.com
What a Crumbl deal looks like
Crumbl is an established brand in the SBA loan file: 31 acquisitions cleared underwriting in the last five years. The median loan was $1,253,000 at 9.50 percent. Amortized over 10 years, that is about $16,214 a month, or $194,562 a year in debt service. SBA's 10 percent minimum equity injection on a deal that size is roughly $139,222 of buyer cash, some of which a seller note on standby can sometimes cover.
Illustrative only: the median loan is not a purchase price, and every deal differs. Model your own in the deal analyzer or the DSCR calculator.
7(a) or 504 for a Crumbl?
Crumbl is typically a leasehold business: the value is goodwill, equipment, and the brand, not real estate. That points to an SBA 7(a) loan, usually amortized over 10 years. The 504 program, which finances owner-occupied real estate, is rarely the fit here unless the deal happens to include a building. Model the payment in the 7(a) calculator and check coverage in the DSCR calculator.
What it costs to open a Crumbl
These are Crumbl's own franchise terms, set by the franchisor and separate from the SBA loan. They matter to a buyer because the franchise fee and the build-out are part of the project the loan has to cover, and lenders weigh the net-worth and liquidity minimums when they size a deal.
- Total initial investment
- $848,566 to $1,472,533
- Initial franchise fee
- $50,000
- Ongoing royalty
- 8% of gross sales
- Net worth required
- $500,000
- Liquid capital required
- $250,000
Quick-service restaurant / dessert bakery (cookies), figures from the 2026 FDD. Sources: Franchable — Crumbl Cookies Franchise Cost & Earnings (2026 FDD Data), VetMyFranchise — How Much Is a Crumbl Cookie Franchise? Costs & Fees (2026), Franchise Chatter — Crumbl Cookies Franchise Review 2025, FranchiseOverview — Crumbl Franchise FDD, Fees & Cost (2026). Franchise economics are drawn from each brand's public Franchise Disclosure Document (FDD Items 5 and 7) and reputable third-party franchise databases, compiled for independent editorial reference. The Closing Binder is not affiliated with, endorsed by, or sponsored by any franchisor listed. Franchise fee, investment, royalty, and net-worth figures are set by the franchisor and change with each FDD; confirm current terms in the brand's latest FDD before relying on them.
Lenders that actually write these
The banks below approved the most Crumbl acquisitions in the file. A lender that has funded this brand before is the fastest path through underwriting.
- Huntington National Bank6 Crumbl loans
- United Community Bank3 Crumbl loans
- First Bank of the Lake2 Crumbl loans
- Idaho Central CU2 Crumbl loans
- Live Oak Banking Company2 Crumbl loans
SBA conditions on this brand
Crumbl does not currently appear in the SBA Franchise Directory, even though the loan file shows acquisitions financed under it. A lender would confirm the brand's status before proceeding, since directory listing is what makes the standard franchise paperwork available.
Frequently asked questions
How much does it cost to buy a Crumbl franchise?
Opening a Crumbl takes a total initial investment of about $848,566 to $1,472,533, including a $50,000 initial franchise fee, per the brand's FDD. Buying an existing location is priced differently: the median SBA 7(a) acquisition loan for Crumbl was $1,253,000 in the federal loan file.
Can you buy a Crumbl with an SBA loan?
Yes. 31 Crumbl locations were acquired with SBA 7(a) financing since FY2020. A lender runs the standard SBA franchise review as part of underwriting.
How much do you need for a down payment on a Crumbl?
SBA requires a minimum 10 percent equity injection. On the median Crumbl loan of $1,253,000, that is roughly $139,222 of buyer cash, though a seller note kept on full standby can cover part of it. The rest is financed over about 10 years, around $16,214 a month at the median rate.
Which lenders finance Crumbl acquisitions?
Huntington National Bank, United Community Bank and First Bank of the Lake wrote the most Crumbl acquisition loans in the federal file. A lender that has funded the brand before knows its franchise agreement and tends to move faster. See the full lender detail above.
Other restaurant brands buyers finance
Loan counts, median size, median rate, and lender ranking are computed from the SBA 7(a) FOIA file, change of ownership approvals, FY2025 to FY2026 Q3, as of June 30, 2026. Directory status is from the SBA Franchise Directory, effective August 11, 2026. Franchise cost figures are from Crumbl's public FDD and third-party franchise databases. We are not affiliated with, endorsed by, or sponsored by Crumbl or its franchisor, and directory listing is not an endorsement of any individual deal. Methodology.