FranchiseRanked

Cold Stone Creamery

Restaurants & FoodSBA loans FY2020–FY2026

208

SBA Loans

$80.4M

Total Financed

$386K

Avg Loan Size

+56%

YoY Loan Growth

How Cold Stone Creamery Compares

  • Ranks #7 of 1,075 Restaurants & Food brands by SBA loan count (#20 of 3,543 overall).
  • Its average loan of $386K is 8% below the Restaurants & Food median of $419K.
  • Its 0.5% charge-off rate compares to a 1.3% average across all Restaurants & Food brands.

SBA Loan Activity by Fiscal Year

Fiscal YearLoansTotal Financed
FY202023$5.5M
FY202127$10.8M
FY202236$10.9M
FY202329$11.4M
FY202425$12.5M
FY202539$15.9M
FY202629$13.4M

FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.

Where Cold Stone Creamery Is Getting SBA-Financed

California47 loans · $14.1MFlorida21 loans · $9.8MOhio19 loans · $4.3MTexas16 loans · $7.4MColorado7 loans · $3.5MNorth Carolina7 loans · $2.4MNew York7 loans · $3.5MArizona7 loans · $3.5MVirginia7 loans · $2.6MNew Jersey5 loans · $2.3MWashington5 loans · $1.5MIndiana5 loans · $741KMontana5 loans · $1.7MPennsylvania5 loans · $2.7MWisconsin4 loans · $1.2M

Recent SBA-Financed Cold Stone Creamery Locations

Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.

Cold Stone Creamery Santa Fe, LLCSANTA FE, NM
$342,0002026-06-04
DeWitt Enterprises II, LLCClermont, FL
$600,0002026-05-19
IAS Ventures LLCGLASTONBURY, CT
$350,0002026-05-15
DeWitt Enterprises II, LLCClermont, FL
$600,0002026-04-16
Cold Stone CreameryEL DORADO HILLS, CA
$50,0002026-04-10
NOVACSW LLCWINCHESTER, VA
$550,5002026-04-03
Cold Stone CreameryEL DORADO HILLS, CA
$450,0002026-03-25
The Treat Tree LLCOGDEN, UT
$643,7002026-03-24
Too Sweet Treats LLCMILFORD, DE
$440,0002026-03-23
Cold Stone CreameryFolsom, CA
$300,0002026-03-23
Northridge Food Services Corp.NORTHRIDGE, CA
$105,0002026-03-20
Cold Stone Creamery and Planet SmoothieELGIN, SC
$650,0002026-03-20
LITTLE GREEN SPOON INC.OSWEGO, IL
$530,0002026-03-11
Inaika's Ice Cream LLCMOUNT WASHINGTON, KY
$850,0002026-02-26
Sapphire One Restaurants Mesquite LLCMESQUITE, TX
$348,5002026-02-23
Cold Stone CreamerySEVERN, MD
$500,0002026-02-23
Cold Stone CreameryFolsom, CA
$300,0002026-02-17
The Best Creamery LLCMESA, AZ
$315,0002026-01-30
J Lucks Group Me LLCSANFORD, FL
$760,7002026-01-30
K&H Foods LLCPLYMOUTH, MI
$350,0002026-01-29
Coldstone Creamery 20027SHERMAN OAKS, CA
$241,0002026-01-22
SAVAR Enterprises LLCCollegeville, PA
$576,0002026-01-21
Cold Stone Creamery BillingsBILLINGS, MT
$605,0002026-01-16
Creamo LLCCOLUMBUS, OH
$806,0002026-01-12
Odeh Saad Enterprise LLCSUN CITY CENTER, FL
$511,0002026-01-08

Frequently Asked Questions

Is Cold Stone Creamery growing or shrinking?

Cold Stone Creamery's SBA loan count grew +56% year-over-year, suggesting rising financed expansion. This reflects SBA-backed financing activity, not necessarily total unit count -- see the methodology page for what this does and doesn't measure.

How much does it cost to open a Cold Stone Creamery franchise?

We don't have that figure -- investment ranges and fees come from a franchisor's Franchise Disclosure Document (FDD), which this site doesn't parse (see methodology). The average SBA loan size of $386K (8% below the typical Restaurants & Food brand's $419K) is a rough proxy, but SBA loans often cover only part of total investment.

What's the SBA loan default rate for Cold Stone Creamery?

1 of 208 SBA loans to Cold Stone Creamery franchisees (0.5%) have been charged off since FY2020, compared to 1.3% across all Restaurants & Food brands.

Explore More

More Restaurants & Food brands Most financed franchises

Top SBA Lenders

  • The Huntington National Bank44
  • Citizens Bank22
  • Newtek Bank, National Association8
  • U.S. Bank, National Association6
  • Readycap Lending, LLC6
Planning to finance a restaurants & food purchase?

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Source: SBA 7(a) FOIA loan dataset. View dataset