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, which lenders wrote them, and where the brand stands with the SBA.
Edible Arrangements franchising: franchise.edible.com
What a lender sees
Edible Arrangements is an established brand in the SBA loan file: 33 acquisitions cleared underwriting in the last five years. At the $316,000 median loan, a standard 7(a) structure puts roughly $31,600 of buyer equity into the deal at the 10 percent minimum injection, with the rest financed over ten years. The 9.50 percent median rate is the number to model your payment against.
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.
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. We are not affiliated with Edible Arrangements or its franchisor, and directory listing is not an endorsement of any individual deal. Methodology.