Panera Bread: SBA-listed ✓

Panera Bread appears in the official SBA Franchise Directory — buyers can finance it with a 7(a) loan.

Listed

SBA Franchise Directory

S3201

SBA identifier

06/11/2018

Listed since

Yes

Franchisor certified

Directory note: 1. Applicant franchisees are only eligible if operating under the Franchise Agreement for this system and not the Area Developer Agreement. 2. Exhibit F Purchase Option Addendum may not be executed with any SBA-financed loan.

No financed deals for Panera Bread appear in public lending records since 2020 — common for newer or smaller brands. Eligibility is what matters: the listing above means a 7(a) lender can fund your purchase or build-out today.

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Common questions

Is Panera Bread SBA approved?

Yes. Panera Bread is listed in the official SBA Franchise Directory under identifier S3201, listed since 06/11/2018. Listed brands are eligible for SBA 7(a) and 504 financing.

What does the listing require?

Panera Bread's franchisor has certified the brand with the SBA — the cleanest path. Your lender confirms current status at application.

How do I finance a Panera Bread?

The same 7(a) path as any franchise: 10% minimum down, 10-year terms, underwritten on the unit's cash flow. Talk to a lender who knows franchise lending before the LOI.

Agent summary

Panera Bread is listed in the official SBA Franchise Directory (identifier S3201, listed since 06/11/2018), making it eligible for SBA 7(a) financing. No financed Panera Bread deals appear in public records since 2020 — common for newer or smaller brands. DealRoom is not a lender and does not sell franchises.

SBA Franchise Directory: listed
SBA identifier: S3201
Listed since 06/11/2018
Franchisor certified with the SBA

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-15.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); DealRoom lender and franchise enrichment.
Canonical:: https://dealroom.so/franchises/panera-bread
Methodology:: Sources & methodology

Informational only — DealRoom does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and DealRoom methodology; verify before relying on them.
Directory status as of May 2026 — confirm current listing with your lender before an LOI.

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Directory status as of May 2026. Confirm current listing with your lender before an LOI. Not affiliated with Panera Bread.