Cold Stone Creamery, 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 S8523)
202 deals since 2020 · typical deal $353K · 0.87% failure rate
202
Deals since 2020
$353K
Typical deal
62
Deals since FY2025
0.87%
Failure rate (FY20–23)
Cold Stone Creamery buyers almost always make it — a 0.87% failure rate puts it among the safest franchise bets on record.
What buyers pay for Cold Stone Creamery
Most Cold Stone Creamery deals financed between $213K and $520K. Above $520K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $4,612
- Down payment (10%)
- $39K
- Cash to close (all-in)
- $52K
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 ~$52K)
Experience
Recent financings
- Inaika's Ice Cream LLC in Mount Washington, KY — $850K (2026) · VelocitySBA, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term