Updated with official SBA FOIA data through December 31, 2025
Looking for an SBA loan to buy or open a Cold Stone Creamery franchise? Not all lenders are equal — some banks fund dozens of Cold Stone Creamery deals per year while others have never touched one. Working with a lender who knows your franchise means faster approvals, better terms, and fewer surprises.
We analyzed every SBA 7(a) loan for Cold Stone Creamery in 2025 using official FOIA data. Here are the lenders who fund the most deals.
Top SBA Lenders for Cold Stone Creamery (2025)
| # | Lender | Loans | Volume | Avg Rate |
|---|---|---|---|---|
| 1 | The Huntington National Bank | 12 | $3.8M | 10.02% |
| 2 | PNC Bank, National Association | 2 | $778K | 8.41% |
| 3 | Citizens Bank | 2 | $1.2M | 10.12% |
| 4 | Northwest Bank | 2 | $833K | 10.25% |
| 5 | JPMorgan Chase Bank, National Association | 1 | $788K | 7.75% |
| 6 | The Bancorp Bank National Association | 1 | $628K | 9.25% |
| 7 | OakStar Bank | 1 | $312K | 10.25% |
| 8 | Select Bank | 1 | $280K | 9.50% |
| 9 | First Dakota National Bank | 1 | $600K | 7.75% |
| 10 | VelocitySBA, LLC | 1 | $334K | 10.25% |
| 11 | Century Bank | 1 | $342K | 9.25% |
| 12 | Manufacturers and Traders Trust Company | 1 | $640K | 9.50% |
| 13 | KeyBank National Association | 1 | $466K | 9.99% |
| 14 | High Plains Bank | 1 | $533K | 8.50% |
| 15 | Zions Bank, A Division of | 1 | $163K | 9.75% |
Key Stats
- Total SBA loans for Cold Stone Creamery in 2025: 33
- Total volume: $13.3M
- Average loan size: $404K
- Average interest rate: 9.77%
- Rate range: 7.75% – 14.00%
- Top states: California (5), Ohio (4), Texas (4), Florida (4), Colorado (3), Illinois (2), New York (2), Missouri (1), Virginia (1), South Dakota (1)
Why lender choice matters: The rate spread for Cold Stone Creamery loans ranges from 7.75% to 14.00%. On a $404K loan, that’s a difference of $25K/year in interest. Choosing the right lender can save you thousands.
How to Get the Best SBA Loan for Cold Stone Creamery
- Work with a lender who knows Cold Stone Creamery — The lenders above have funded multiple Cold Stone Creamery deals and understand the franchise model
- Submit to multiple lenders — Don’t accept the first term sheet. Competition drives rates down.
- Get your franchise agreement ready — SBA lenders will need your FDD, franchise agreement, and any territory documents
- Prepare financial projections — Most lenders require a business plan with 3-year projections for franchise loans
Getting an SBA Loan for Cold Stone Creamery?
GoSBA submits your Cold Stone Creamery deal to 50+ SBA lenders simultaneously — including all the top lenders listed above. Completely free, with a custom business plan & projections included.
Data source: U.S. Small Business Administration FOIA 7(a) loan data, calendar year 2025.
