How much does a Rocky Mountain Chocolate Factory cost to buy or open?

The typical deal for Rocky Mountain Chocolate Factory is $396K across 15 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $44K of buyer cash on a typical deal.

How risky is Rocky Mountain Chocolate Factory?

Rocky Mountain Chocolate Factory has 15 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 Rocky Mountain Chocolate Factory with an SBA loan?

Yes — Rocky Mountain Chocolate Factory has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Rocky Mountain Chocolate Factory SBA Intelligence: Real Cost, Rates & Failure Rate

Recent financings

Canaday Cocoa LLC in Salt Lake City, UT — $836K (2026) · purchase · U.S. Bank, National Association

Program: Preferred Lenders Program
Rate at approval: 7.7% variable
Term: 45 months
SBA guaranteed: $627K (75%)
Approval → funding: 35 days
Approved: 11/28/2025
First disbursed: 1/2/2026
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 14
Business age: Change of Ownership
Industry: Confectionery and Nut Retailers

If you were the buyer here

Est. deal size: $928K
Est. down payment (10%): $93K
Est. cash at closing: $127K
Monthly payment: $21,438
Annual debt service: $257K
Cash flow needed (1.25×): $322K

Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.

Funded by U.S. Bank, National Association · Lender record →

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Folsom Town Sweets LLC in Folsom, CA — $580K (2026) · purchase · Celtic Bank Corporation

Program: Preferred Lenders Program
Rate at approval: 9.25% variable
Term: 125 months
SBA guaranteed: $435K (75%)
Approved: 1/29/2026
Loan status: Committed
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported: 4
Business age: Change of Ownership
Industry: Confectionery and Nut Retailers

Old Town Sweets LLC in Sacramento, CA — $396K (2024) · purchase · Celtic Bank Corporation

Program: Preferred Lenders Program
Rate at approval: 10.75% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $297K (75%)
Approval → funding: 9 days
Approved: 5/14/2024
First disbursed: 5/23/2024
Loan status: Paid in full (1/31/2025)
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market

Zrinyi And Ingstad Investments, Inc in Reno, NV — $150K (2024) · Colony Bank

Program: Preferred Lenders Program
Rate at approval: 11.5% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $128K (85%)
Approval → funding: 2 days
Approved: 4/22/2024
First disbursed: 4/24/2024
Loan status: Current
Loan type: Term loan
Collateral: Not required
Business type: Corporation
Secondary market

Rocky Mountain Chocolate Factory in Saint Paul, MN — $825K (2023) · purchase · Newtek Bank, National Association

Program: Preferred Lenders Program
Rate at approval: 11.5% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $619K (75%)
Approval → funding: 26 days
Approved: 8/5/2023
First disbursed: 8/31/2023
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market

Clarey Enterprises LLC in Happy Valley, OR — $697K (2023) · Citizens Bank

Program: Preferred Lenders Program
Rate at approval: 10% variable
Term: 124 months
SBA guaranteed: $523K (75%)
Approval → funding: 6 days
Approved: 1/4/2023
First disbursed: 1/10/2023
Loan status: In workout — SBA bought the guarantee
Loan type: Term loan
Collateral: Required
Business type: Corporation
Secondary market

Westlake Rocky LLC in Westlake, OH — $575K (2023) · The Huntington National Bank

Program: Preferred Lenders Program
Rate at approval: 10% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $431K (75%)
Approval → funding: 2 days
Approved: 1/25/2023
First disbursed: 1/27/2023
Loan status: Current
Loan type: Term loan
Collateral: Required
Business type: Corporation
Jobs supported

Westlake Rocky LLC in Westlake, OH — $25K (2023) · The Huntington National Bank

Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Rate at approval: 10% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $13K (50%)
Approved: 1/25/2023
Loan status: Committed
Loan type: Revolving line
Collateral: Required
Business type: Corporation
Jobs supported: 13
Business age: New Business or 2 years or less

Northwestern Michigan Candy-RMCF LLC in Troy, MI — $522K (2022) · The Huntington National Bank

Program: Preferred Lenders Program
Rate at approval: 8.25% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $391K (75%)
Approved: 8/29/2022
Loan status: Cancelled
Loan type: Term loan
Collateral: Not required
Business type: Corporation
Jobs supported: 8
Business age: Startup, Loan Funds will Open Business
Industry

Northwestern Michigan Candy-RMCF LLC in Troy, MI — $522K (2022) · The Huntington National Bank

Program: Preferred Lenders Program
Rate at approval: 8.25% variable
Term: 120 mo (10 yrs)
SBA guaranteed: $391K (75%)
Approval → funding: 10 days
Approved: 8/29/2022
First disbursed: 9/8/2022
Loan status: Current
Loan type: Term loan
Collateral: Not required
Business type: Corporation
Jobs supported

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

Rocky Mountain Chocolate Factory, by the numbers

Recent financings

Who funds Rocky Mountain Chocolate Factory — and where

Common questions

How much does a Rocky Mountain Chocolate Factory cost to buy or open?

How risky is Rocky Mountain Chocolate Factory?

Can I finance a Rocky Mountain Chocolate Factory with an SBA loan?

AI summary