Food & Restaurants · lender intelligence
How to finance a Cold Stone Creamery in North Carolina
The SBA 7(a) lenders funding the most Cold Stone Creamery deals in North Carolina, from public loan records — typical Cold Stone Creamery loan about $353K. A bank already funding the brand in your state knows it twice over.
Most active with Cold Stone Creamery in North Carolina
Ranked by funded Cold Stone Creamery loans in North Carolina. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.149 loans · $135M · Mukwonago, WIFull record →
- 2.2,539 loans · $965M · Columbus, OHFull record →
- 3.75 loans · $98M · Sioux Falls, SDFull record →
- 4.47 loans · $39M · Greenville, PAFull record →
7+ funded Cold Stone Creamery in North Carolina deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- Cold Stone Creamery in Southport, NC — $537K (2023) · purchase · Citizens Bank
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $403K (75%)
- Approval → funding
- 62 days
- Approved
- 12/28/2022
- First disbursed
- 2/28/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 11
- Business age
- Change of Ownership
- Industry
- Snack and Nonalcoholic Beverage Bars
If you were the buyer here
- Est. deal size
- $597K
- Est. down payment (10%)
- $60K
- Est. cash at closing
- $80K
- Monthly payment
- $6,951
- Annual debt service
- $83K
- Cash flow needed (1.25×)
- $104K
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 Citizens Bank · Lender record →
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- Arya Vaani LLC in Charlotte, NC — $499K (2023) · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 126 months
- SBA guaranteed
- $374K (75%)
- Approval → funding
- 8 days
- Approved
- 3/27/2023
- First disbursed
- 4/4/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
- LAC Creamery Inc. in Wilmington, NC — $413K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $310K (75%)
- Approval → funding
- 2 days
- Approved
- 8/17/2022
- First disbursed
- 8/19/2022
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 26
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- LAC Creamery Inc. in Wilmington, NC — $25K (2022) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approval → funding
- 22 days
- Approved
- 8/17/2022
- First disbursed
- 9/8/2022
- Loan status
- Delinquent
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- SNS Ventures LLC in Apex, NC — $231K (2021) · purchase · Citizens Bank
- Program
- 7a General
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $173K (75%)
- Approval → funding
- 26 days
- Approved
- 10/5/2020
- First disbursed
- 10/31/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 18
- Business age
- Change of Ownership
- Industry
- All Other Specialty Food Stores
If you were the buyer here
- Est. deal size
- $257K
- Est. down payment (10%)
- $26K
- Est. cash at closing
- $34K
- Monthly payment
- $2,567
- Annual debt service
- $31K
- Cash flow needed (1.25×)
- $39K
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 Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- Tracks Investments, LLC in Winston Salem, NC — $484K (2020) · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $363K (75%)
- Approval → funding
- 76 days
- Approved
- 2/14/2020
- First disbursed
- 4/30/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- All Other Specialty Food Stores
Funded by First National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
- SNS Ventures LLC in Apex, NC — $231K (2020) · purchase · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $173K (75%)
- Approved
- 9/17/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- All Other Specialty Food Stores
If you were the buyer here
- Est. deal size
- $257K
- Est. down payment (10%)
- $26K
- Est. cash at closing
- $34K
- Monthly payment
- $2,567
- Annual debt service
- $31K
- Cash flow needed (1.25×)
- $39K
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 Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Cold Stone Creamery in North Carolina? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.
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DealRoom analysis of public SBA 7(a) lending records; ranked by funded Cold Stone Creamery loans with a North Carolina project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Cold Stone Creamery purchase in North Carolina with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded North Carolina deals. Citizens Bank funds the most here. DealRoom is not a lender.
- $353K typical Cold Stone Creamery loan
- 4 lenders active in North Carolina
- 7+ funded North Carolina deals
- 26 days typical to fund
Buyers buying a Cold Stone Creamery in North Carolina typically pre-qualify, then ask DealRoom to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the DealRoom MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-16.