{"ok":true,"canonical_url":"https://dealroom.so/franchises/big-apple-bagels","api_url":"https://dealroom.so/api/public/franchises/big-apple-bagels","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"methodology":{"label":"Franchise financing & failure-rate methodology","url":"https://dealroom.so/methodology/franchise-risk"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"franchise":{"brand":"Big Apple Bagels","slug":"big-apple-bagels","url":"https://dealroom.so/franchises/big-apple-bagels","sbaLoansSince2020":4,"businessPurchases":3,"typicalDeal":120000,"dealRange25th75th":[109200,122700],"avgRatePct":6.75,"failureRatePct":null,"failureRateNote":"too few loans to score","loansSinceFY2025":1,"topLenders":[{"name":"Nicolet National Bank","count":2,"url":"https://dealroom.so/lenders/nicolet-national-bank"},{"name":"Ultima Bank Minnesota","count":1,"url":"https://dealroom.so/lenders/ultima-bank-minnesota"},{"name":"National Bank of Commerce","count":1,"url":null}],"topStates":[{"count":2,"state":"MN"},{"count":2,"state":"WI"}],"recentDeals":[{"borrower":"VLW VENTURES LLC","city":"De Pere","state":"WI","amount":122700,"fiscalYear":2025,"businessPurchase":true,"lender":"Nicolet National Bank"},{"borrower":"Norstar Investments, L.L.C.","city":"Duluth","state":"MN","amount":120000,"fiscalYear":2022,"businessPurchase":false,"lender":"National Bank of Commerce"},{"borrower":"4EMPOWERMENT LLC","city":"Green Bay","state":"WI","amount":109200,"fiscalYear":2022,"businessPurchase":true,"lender":"Nicolet National Bank"},{"borrower":"Northstar Unlimited LLC","city":"Bemidji","state":"MN","amount":100000,"fiscalYear":2021,"businessPurchase":true,"lender":"Ultima Bank Minnesota"}]},"caveats":["DealRoom data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"DealRoom franchise financing record","url":"https://dealroom.so/franchises/big-apple-bagels","source_type":"DealRoom Data"}}