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Flowers Baking Co. of Bardstown, 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 S6657)

2 deals since 2020 · typical deal $255K

2

Deals since 2020

$255K

Typical deal

0

Deals since FY2025

—

Too few deals to score risk

Flowers Baking Co. of Bardstown has 2 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 Flowers Baking Co. of Bardstown

Most Flowers Baking Co. of Bardstown deals financed between $35K and $255K. Above $255K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$255K

Monthly payment (10-yr): $3,549
Down payment (10%): $28K
Cash to close (all-in): $38K

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 ~$38K)

Experience

Recent financings

Hearld Inc in Taylor Mill, KY — $255K (2021) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$230K (90%)
Approval → funding
21 days
Approved
9/7/2021
First disbursed
9/28/2021
Loan status
Paid in full (2/28/2026)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
General Line Grocery Merchant Wholesalers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Hearld Inc in Taylor Mill, KY — $35K (2021) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$26K (75%)
Approved
9/7/2021
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old

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Who funds Flowers Baking Co. of Bardstown — and where

Every dot is a financed Flowers Baking Co. of Bardstown — 2 mapped.

Top lenders for this brand

1.The Huntington National Bank(2)

Most active states

1.Kentucky (2 loans)

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Common questions

How much does a Flowers Baking Co. of Bardstown cost to buy or open?

The typical deal for Flowers Baking Co. of Bardstown is $255K across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $28K of buyer cash on a typical deal.

How risky is Flowers Baking Co. of Bardstown?

Flowers Baking Co. of Bardstown has 2 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 Flowers Baking Co. of Bardstown with an SBA loan?

Yes — Flowers Baking Co. of Bardstown 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 Flowers Baking Co. of Bardstown — 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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DealRoom analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Flowers Baking Co. of Bardstown.

Industry

General Line Grocery Merchant Wholesalers

Funded by The Huntington National Bank · Lender record →

Your business? Claim this record · Request removal