Rocky Mountain Chocolate Factory
15
SBA Loans
$5.9M
Total Financed
$391K
Avg Loan Size
—
YoY Loan Growth
How Rocky Mountain Chocolate Factory Compares
- Ranks #153 of 1,075 Restaurants & Food brands by SBA loan count (#667 of 3,543 overall).
- Its average loan of $391K is 7% below the Restaurants & Food median of $419K.
- With only 15 loans on record, its own charge-off rate isn't statistically meaningful -- for context, Restaurants & Food brands overall see a 1.3% charge-off rate across 11,372 loans.
SBA Loan Activity by Fiscal Year
| Fiscal Year | Loans | Total Financed |
|---|---|---|
| FY2021 | 1 | $320K |
| FY2022 | 6 | $1.5M |
| FY2023 | 4 | $2.1M |
| FY2024 | 2 | $546K |
| FY2026 | 2 | $1.4M |
FY2026 may be a partial year -- the SBA dataset is refreshed quarterly and the most recent fiscal year is often incomplete.
Where Rocky Mountain Chocolate Factory Is Getting SBA-Financed
Recent SBA-Financed Rocky Mountain Chocolate Factory Locations
Borrower names and amounts as reported in the SBA's public 7(a) loan dataset.
Frequently Asked Questions
Is Rocky Mountain Chocolate Factory growing or shrinking?
Rocky Mountain Chocolate Factory doesn't have enough SBA loan activity in both FY2025 and FY2026 to calculate a reliable year-over-year trend. For context, it ranks #153 of 1,075 Restaurants & Food brands by total SBA loan count since FY2020 -- a snapshot of scale, if not of trend.
How much does it cost to open a Rocky Mountain Chocolate Factory 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 $391K (7% 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 Rocky Mountain Chocolate Factory?
Rocky Mountain Chocolate Factory only has 15 SBA loans on record -- too few to calculate a meaningful charge-off rate on its own. For context, Restaurants & Food brands overall see a 1.3% charge-off rate across 11,372 loans.
Top SBA Lenders
- The Huntington National Bank7
- U.S. Bank, National Association2
- Celtic Bank Corporation2
- Centennial Bank1
- Citizens Bank1
Get the Franchise SBA Financing Model -- an editable amortization, P&L, and breakeven calculator. $19.
Source: SBA 7(a) FOIA loan dataset. View dataset