Lender intelligence
Financing a retail bakeries acquisition in Michigan
The SBA 7(a) lenders funding the most retail bakeries acquisitions in Michigan, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.
Most active in retail bakeries · Michigan
Ranked by funded retail bakeries acquisitions in Michigan. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.168 loans · $205M · Fishers, INFull record →
3+ funded Retail Bakeries in Michigan 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.
- Cops & Doughnuts in Clare, MI — $3.1M (2025) · purchase · First Internet Bank of Indiana
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 174 months
- SBA guaranteed
- $2.3M (75%)
- Approval → funding
- 60 days
- Approved
- 3/24/2025
- First disbursed
- 5/23/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 80
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $3.5M
- Est. down payment (10%)
- $347K
- Est. cash at closing
- $479K
- Monthly payment
- $33,592
- Annual debt service
- $403K
- Cash flow needed (1.25×)
- $504K
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 First Internet Bank of Indiana · Lender record →
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- Lamarche Enterprises LLC in Escanaba, MI — $289K (2024) · purchase · Upper Peninsula State Bank
- Program
- 7a General
- Rate at approval
- 9.25% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $216K (75%)
- Approval → funding
- 11 days
- Approved
- 12/29/2023
- First disbursed
- 1/9/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $321K
- Est. down payment (10%)
- $32K
- Est. cash at closing
- $43K
- Monthly payment
- $4,680
- Annual debt service
- $56K
- Cash flow needed (1.25×)
- $70K
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 Upper Peninsula State Bank
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- Gluten Free Eats Inc in Plymouth, MI — $1.5M (2021) · purchase · IncredibleBank
- Program
- Preferred Lenders Program
- Rate at approval
- 5% variable
- Term
- 300 mo (25 yrs)
- SBA guaranteed
- $1.4M (90%)
- Approval → funding
- 8 days
- Approved
- 2/4/2021
- First disbursed
- 2/12/2021
- Loan status
- Paid in full (12/31/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- Retail Bakeries
If you were the buyer here
- Est. deal size
- $1.7M
- Est. down payment (10%)
- $169K
- Est. cash at closing
- $232K
- Monthly payment
- $8,880
- Annual debt service
- $107K
- Cash flow needed (1.25×)
- $133K
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 IncredibleBank · Lender record →
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Financing a retail bakeries deal in Michigan? Start with the right lender
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DealRoom analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to retail bakeries businesses with a Michigan project address.
Agent summary
How to finance a retail bakeries acquisition in Michigan with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Michigan deals. First Internet Bank of Indiana funds the most here. DealRoom is not a lender.
- $451K typical loan
- 3 lenders active in Michigan
- 3+ funded Michigan deals
- 11 days typical to fund
Buyers buying a retail bakeries in Michigan typically pre-qualify, then ask DealRoom to introduce a lender active 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:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); DealRoom lender and franchise enrichment.