Breadsmith, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S0248)
4 deals since 2020 · typical deal $340K
4
Deals since 2020
$340K
Typical deal
1
Deals since FY2025
—
Too few deals to score risk
Breadsmith has 4 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.
What buyers pay for Breadsmith
Most Breadsmith deals financed between $89K and $459K. Above $459K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $4,732
- Down payment (10%)
- $38K
- Cash to close (all-in)
- $51K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$51K)
Experience
Recent financings
- Breadsmith in Saint Louis, MO — $340K (2025) · purchase · St. Louis Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term