Smallcakes Cupcakery Franchise Cost, Revenue & Review 2026
Analysis by FranchiseVerdict Research · Methodology
SBA Loan Data Only
This franchise has SBA 7(a) lending history but no Franchise Disclosure Document (FDD) on file. Investment costs, revenue, fees, and contract terms are not available. The Verdict score is based solely on SBA loan performance data.
FranchiseVerdict summary · 2026
A Smallcakes Cupcakery franchise has no franchise disclosure document on file, so investment figures are not available. SBA 7(a) loans show a 8.3% charge-off rate across 29 loans[1]. Run a live ROI scan →
Data last verified
Overview
- SBA loans
- 29
- Loan volume
- $5.6M
- Charge-off rate
- 8.3%
- system-wide median varies by category
- Avg loan
- $194K
- Lenders
- 22
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 29
- Loan volume
- $5.6M
- Median loan
- $150K
- 50th percentile
- Charge-off rate
- 8.3%
- rates vary by category · see methodology
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- 91.7%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 22
- Defaults
- 1
- Typical loan rate
- 7.7%
- avg rate to borrowers
- vs industry
- N/A
- NAICS 7225
- Jobs supported
- 249
- 4.4 per loan
- Lender concentration
- 7%
- top lender's share
Borrower mix: 64% went to startups / new businesses, 36% to established operators
Top lenders financing Smallcakes Cupcakery franchisees
Showing 3 of 22 lenders. The full breakdown — every lender, state distribution, interest rates & risk ratings — is in the SBA Lending Report below.
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into Smallcakes Cupcakery's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 5 lenders with concentration factor
- Per-state charge-off rates across 15 states
- Startup risk premium and job creation velocity
- 8-year lending trend
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Frequently asked questions
Frequently Asked Questions
What do Smallcakes Cupcakery franchise owners earn?
No average owner earnings figure for Smallcakes Cupcakery is on file. Item 19 — where a franchisor may disclose what its outlets earn — is voluntary under the FTC Franchise Rule, and we have not established what this brand's FDD says. Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
What is Item 19 in the Smallcakes Cupcakery FDD?
The FDD section where a franchisor may disclose financial performance of its outlets. Disclosure is optional and formats vary; figures are typically gross sales, which is revenue before expenses, not profit. FranchiseVerdict extracts these figures directly from the Smallcakes Cupcakery FDD and qualifies whose outlets they describe.
What is Smallcakes Cupcakery's franchise failure rate?
Based on SBA 7(a) loan data, Smallcakes Cupcakery has a charge-off rate of 8.3% across 29 loans, meaning 8.3% of franchise loans were charged off. Charge-off rates are one proxy for franchise risk, though they do not capture all closures. This data comes from FOIA-sourced SBA lending records.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
For franchisors
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Data extracted from public FDD filings and SBA 7(a) loan disclosures (FOIA). This information is provided for research purposes only and does not constitute financial, legal, or investment advice. Verify all figures with the franchisor's current Franchise Disclosure Document before making any investment decision.