Financing an Edible Arrangements with an SBA loan
Since FY2020, 33 Edible Arrangements 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.
Edible Arrangements franchising: franchise.edible.com
What a Edible Arrangements deal looks like
Edible Arrangements is an established brand in the SBA loan file: 33 acquisitions cleared underwriting in the last five years. The median loan was $316,000 at 9.50 percent. Amortized over 10 years, that is about $4,089 a month, or $49,068 a year in debt service. SBA's 10 percent minimum equity injection on a deal that size is roughly $35,111 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 an Edible Arrangements?
Edible Arrangements 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 an Edible Arrangements
These are Edible Arrangements'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
- $213,500 to $587,000
- Initial franchise fee
- $30,000
- Ongoing royalty
- 5% of gross sales
- Net worth required
- $250,000
- Liquid capital required
- $100,000
Gift / specialty food retail (fruit bouquets), figures from the 2025 FDD. Sources: Edible franchise official investment page, 1851 Franchise deep dive (cites 2025 FDD), Sharpsheets Edible franchise costs & FDD, Franchimp 2024 FDD listing. 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 Edible Arrangements acquisitions in the file. A lender that has funded this brand before is the fastest path through underwriting.
- Huntington National Bank3 Edible Arrangements loans
- Pinnacle Bank3 Edible Arrangements loans
- Columbia Bank2 Edible Arrangements loans
- Pathward National Association2 Edible Arrangements loans
- TowneBank2 Edible Arrangements loans
SBA conditions on this brand
1. Franchisor may not enforce a Purchase Option on Real Estate owned by the franchisee or an affiliate of the franchisee if taken as Collateral for the SBA Loan. 2. Lender/CDC must ensure they obtain the correct lien position on all collateral as required pursuant to the SOP 5010.
Every franchise the SBA will finance carries an entry in its directory, and some carry conditions like this one about how the real estate and the lease may be held. A lender has to clear these before funding, so they are worth reading before you make an offer.
Frequently asked questions
How much does it cost to buy an Edible Arrangements franchise?
Opening an Edible Arrangements takes a total initial investment of about $213,500 to $587,000, including a $30,000 initial franchise fee, per the brand's FDD. Buying an existing location is priced differently: the median SBA 7(a) acquisition loan for Edible Arrangements was $316,000 in the federal loan file.
Can you buy an Edible Arrangements with an SBA loan?
Yes. 33 Edible Arrangements locations were acquired with SBA 7(a) financing since FY2020, and the brand is listed in the SBA Franchise Directory. The directory attaches a lender condition to this brand, so a lender clears that before funding.
How much do you need for a down payment on an Edible Arrangements?
SBA requires a minimum 10 percent equity injection. On the median Edible Arrangements loan of $316,000, that is roughly $35,111 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 $4,089 a month at the median rate.
Which lenders finance Edible Arrangements acquisitions?
Huntington National Bank, Pinnacle Bank and Columbia Bank wrote the most Edible Arrangements 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. Eligibility, the identifier code, and any conditions are from the SBA Franchise Directory, effective August 11, 2026. Franchise cost figures are from Edible Arrangements's public FDD and third-party franchise databases. We are not affiliated with, endorsed by, or sponsored by Edible Arrangements or its franchisor, and directory listing is not an endorsement of any individual deal. Methodology.