Food & Restaurants · lender intelligence
How to finance a Cold Stone Creamery in Virginia
The SBA 7(a) lenders funding the most Cold Stone Creamery deals in Virginia, 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 Virginia
Ranked by funded Cold Stone Creamery loans in Virginia. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.1,927 loans · $207M · Buffalo, NYFull record →
- 2.66 loans · $68M · Milford, IAFull record →
- 3.11 loans · $4M · Forest, VAFull record →
- 4.149 loans · $135M · Mukwonago, WIFull record →
6+ funded Cold Stone Creamery in Virginia 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 Stafford, VA — $500K (2025) · United Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 126 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 138 days
- Approved
- 10/3/2024
- First disbursed
- 2/18/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Existing or more than 2 years old
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by United Community Bank · Lender record →
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- Curb Holdings, LLC in Midlothian, VA — $280K (2025) · Select Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $210K (75%)
- Approval → funding
- 160 days
- Approved
- 8/22/2025
- First disbursed
- 1/29/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Select Bank · Lender record →
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- ADDIBELL COMPANY LLC in Fredericksburg, VA — $350K (2023) · United Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 126 months
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 20 days
- Approved
- 5/18/2023
- First disbursed
- 6/7/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by United Community Bank · Lender record →
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- Welch Ventures, LLC in Burke, VA — $320K (2023) · purchase · Manufacturers and Traders Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $240K (75%)
- Approved
- 1/24/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $356K
- Est. down payment (10%)
- $36K
- Est. cash at closing
- $48K
- Monthly payment
- $4,273
- Annual debt service
- $51K
- Cash flow needed (1.25×)
- $64K
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 Manufacturers and Traders Trust Company · Lender record →
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- Welch Ventures, LLC in Burke, VA — $25K (2023) · purchase · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 14% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 1/24/2023
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $28K
- Est. down payment (10%)
- $3K
- Est. cash at closing
- $4K
- Monthly payment
- $388
- Annual debt service
- $5K
- Cash flow needed (1.25×)
- $6K
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 Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- Chester Ice Cream, LLC in Chester, VA — $547K (2022) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.75% variable
- Term
- 124 months
- SBA guaranteed
- $410K (75%)
- Approval → funding
- 146 days
- Approved
- 6/29/2022
- First disbursed
- 11/22/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Limited-Service Restaurants
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Cold Stone Creamery in Virginia? 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 Virginia project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Cold Stone Creamery purchase in Virginia with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Virginia deals. Manufacturers and Traders Trust Company funds the most here. DealRoom is not a lender.
- $353K typical Cold Stone Creamery loan
- 4 lenders active in Virginia
- 6+ funded Virginia deals
- 146 days typical to fund
Buyers buying a Cold Stone Creamery in Virginia 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.
- Sources: