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Chip/Chip Cookies, 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 S7368)

10 deals since 2020 · typical deal $427K

10

Deals since 2020

$427K

Typical deal

0

Deals since FY2025

—

Too few deals to score risk

Chip/Chip Cookies has 10 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 Chip/Chip Cookies

Most Chip/Chip Cookies deals financed between $315K and $499K. Above $499K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$427K

Monthly payment (10-yr): $5,588
Down payment (10%): $47K
Cash to close (all-in): $64K

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 ~$64K)

Experience

Recent financings

CookieCo LLC in Sacramento, CA — $470K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term

120 mo (10 yrs)

SBA guaranteed

$353K (75%)

Approval → funding

9 days

Approved

5/6/2024

First disbursed

5/15/2024

Loan status

Current

Loan type

Term loan

Collateral

Required

Business type

Corporation

Jobs supported

5

Business age

Startup, Loan Funds will Open Business

Industry

Snack and Nonalcoholic Beverage Bars

Funded by The Huntington National Bank · Lender record →

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CookieCo LLC in Sacramento, CA — $30K (2024) · The Huntington National Bank

Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Rate at approval: 11.25% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $15K (50%)
Approved: 5/6/2024
Loan status: Committed
Loan type: Revolving line
Collateral: Required
Business type: Corporation
Jobs supported: 5
Business age: Startup, Loan Funds will Open Business
Industry: Snack and Nonalcoholic Beverage Bars

Funded by The Huntington National Bank · Lender record →

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J&S Franchises LLC in Torrance, CA — $700K (2023) · The Bancorp Bank National Association

Program: Preferred Lenders Program
Rate at approval: 9.75% variable
Term: 123 months
SBA guaranteed: $525K (75%)
Approval → funding: 7 days
Approved: 6/28/2023
First disbursed: 7/5/2023
Loan status: Paid in full (6/30/2025)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 8
Business age: Startup, Loan Funds will Open Business
Industry: Snack and Nonalcoholic Beverage Bars

Funded by The Bancorp Bank National Association · Lender record →

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Chip Cookies in Walnut Creek, CA — $500K (2023) · First Bank of the Lake

Program: Preferred Lenders Program
Rate at approval: 11.25% variable
Term: 126 months
SBA guaranteed: $375K (75%)
Approval → funding: 185 days
Approved: 9/30/2023
First disbursed: 4/2/2024
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 11
Business age: Startup, Loan Funds will Open Business
Industry: Limited-Service Restaurants

Funded by First Bank of the Lake · Lender record →

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Chip Cookies Pleasant View in Ogden, UT — $499K (2023) · First National Bank of Coffee County

Program: Preferred Lenders Program
Rate at approval: 10.5% variable
Term: 108 mo (9 yrs)
SBA guaranteed: $374K (75%)
Approval → funding: 12 days
Approved: 2/22/2023
First disbursed: 3/6/2023
Loan status: In workout — SBA bought the guarantee
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 12
Business age: Startup, Loan Funds will Open Business
Industry: Snack and Nonalcoholic Beverage Bars

Funded by First National Bank of Coffee County · Lender record →

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Wolfgang Industries LLC in Culver City, CA — $427K (2023) · First Bank of the Lake

Program: Preferred Lenders Program
Rate at approval: 10% variable
Term: 126 months
SBA guaranteed: $320K (75%)
Approval → funding: 7 days
Approved: 8/17/2023
First disbursed: 8/24/2023
Loan status: Paid in full (12/31/2024)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 10
Business age: Startup, Loan Funds will Open Business
Industry: Snack and Nonalcoholic Beverage Bars

Funded by First Bank of the Lake · Lender record →

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High Octane Holdings LLC in Spanish Fork, UT — $418K (2023) · Community Banks of Colorado, A Division of NBH Bank

Program: Preferred Lenders Program
Rate at approval: 9.5% variable
Term: 131 months
SBA guaranteed: $313K (75%)
Approval → funding: 24 days
Approved: 3/20/2023
First disbursed: 4/13/2023
Loan status: Paid in full (4/30/2024)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 30
Business age: Startup, Loan Funds will Open Business
Industry: Baked Goods Retailers

Funded by Community Banks of Colorado, A Division of NBH Bank · Lender record →

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Cedar Chipper, Inc. in Cedar City, UT — $374K (2023) · Community Banks of Colorado, A Division of NBH Bank

Program: Preferred Lenders Program
Rate at approval: 10.25% variable
Term: 126 months
SBA guaranteed: $281K (75%)
Approval → funding: 4 days
Approved: 7/27/2023
First disbursed: 7/31/2023
Loan status: Paid in full (11/30/2024)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 10
Business age: Startup, Loan Funds will Open Business
Industry: Baked Goods Retailers

Funded by Community Banks of Colorado, A Division of NBH Bank · Lender record →

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TXCHIP1 LLC in Plano, TX — $300K (2023) · Community Banks of Colorado, A Division of NBH Bank

Program: Preferred Lenders Program
Rate at approval: 10.25% variable
Term: 124 months
SBA guaranteed: $225K (75%)
Approval → funding: 6 days
Approved: 5/19/2023
First disbursed: 5/25/2023
Loan status: Paid in full (11/30/2024)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market: Loan sold to investors
Jobs supported: 12
Business age: Startup, Loan Funds will Open Business
Industry: Baked Goods Retailers

Funded by Community Banks of Colorado, A Division of NBH Bank · Lender record →

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Hall Joshi Global Capital LLC in Coeur D Alene, ID — $315K (2022) · Glacier Bank

Program: Preferred Lenders Program
Rate at approval: 6.75% variable
Term: 127 months
SBA guaranteed: $236K (75%)
Approval → funding: 14 days
Approved: 9/20/2022
First disbursed: 10/4/2022
Loan status: Paid in full (5/31/2025)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 10
Business age: Startup, Loan Funds will Open Business
Industry: Baked Goods Retailers

Funded by Glacier Bank · Lender record →

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Who funds Chip/Chip Cookies — and where

Every dot is a financed Chip/Chip Cookies — 10 mapped.

Top lenders for this brand

Most active states

1.California (5 loans)
2.Utah (3 loans)
3.Idaho (1 loans)
4.Texas (1 loans)

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Insider move

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Who should reach out?

I authorize DealRoom to share my contact information with SBA lending partners and loan brokers (including partners who compensate DealRoom), who may contact me about financing. DealRoom is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Chip/Chip Cookies lending specialist.

Common questions

How much does a Chip/Chip Cookies cost to buy or open?

The typical deal for Chip/Chip Cookies is $427K across 10 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $47K of buyer cash on a typical deal.

How risky is Chip/Chip Cookies?

Chip/Chip Cookies has 10 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a Chip/Chip Cookies with an SBA loan?

Yes — Chip/Chip Cookies has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

AI summary

This profile summarizes public SBA financing activity for Chip/Chip Cookies — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via DealRoom.so SBA Intelligence. DealRoom is not a lender.

Source: DealRoom.so SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. DealRoom is not a lender and does not guarantee financing.

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I authorize DealRoom to share my contact information with SBA lending partners and loan brokers (including partners who compensate DealRoom), who may contact me about financing. DealRoom is not a lender and makes no credit decision.

Represent Chip/Chip Cookies?

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DealRoom analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Chip/Chip Cookies.