Buying an Edible Arrangements franchise: SBA acquisition loan data

What this tells a buyer

• Price range to expect. Loan size tracks purchase price. Half of Edible Arrangements resale loans landed between $221,250 and $458,500.
• Lender experience exists. Manufacturers and Traders Trust Company alone has financed 4 Edible Arrangements resales.
• Guaranty. The SBA guaranteed 76% of the dollars lent here.
• What the file leaves out. The SBA file does not record franchisor transfer terms or fees.

How Edible Arrangements compares

The median for Edible Arrangements resale loans is $300,000, slightly below the $333,000 median for all other specialty food retailers and well below the $645,250 median for all SBA-financed acquisitions nationally.

The middle half runs $221,250 to $458,500, against $283,000 to $1,465,000 nationally; the median term is 10 years, the same as the national median; the average initial rate is 7.32%, below the 7.76% national average.

Seasoned loans were charged off at 4.0%, below the 5.3% rate for all other specialty food retailers and above the 3.5% rate for all acquisition loans.

Loan size distribution

Most Edible Arrangements resale loans (96%) were under $1M, and the largest single band is Under $350K at 60%, against 30% of all acquisition loans.

Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.

Lender concentration

Manufacturers and Traders Trust Company made 9% of Edible Arrangements resale loans, and the top three lenders together made 19%. 2 of the 38 lenders involved made three or more. Only 2 lenders have repeat experience here. That is a rough guide to how many banks have seen this kind of deal before.

Recent activity

In FY2025 and FY2026 combined, 4 Edible Arrangements resale loans were approved. Fewer than 10 loans were approved in FY2023 and FY2024, so no change is computed. The median was $316,000, slightly above the $300,000 median across all years.

Financing an Edible Arrangements resale: what lenders financed

The median SBA 7(a) loan for an Edible Arrangements resale was $300,000 across 47 loans (FY2018 to FY2026). Manufacturers and Traders Trust Company, The Huntington National Bank and Columbia Bank have financed the most Edible Arrangements resales. Of 25 seasoned loans (FY2018 to FY2021), 4.0% were charged off, 14% higher than the 3.5% average for all SBA acquisition loans.

Edible Arrangements acquisition loans by year

How often do these acquisition loans fail?

Of the 25 Edible Arrangements acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 1 have been charged off by the SBA, a rate of 4.0% by loan count and 1.7% by dollars. 9 have already been paid in full.

For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so Edible Arrangements is 14% higher than the acquisition-loan average. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.

"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.

How lenders classify Edible Arrangements

Lenders code each loan to a NAICS industry. For Edible Arrangements the codes used were:

Related

• All All Other Specialty Food Retailers acquisitions
• Pennsylvania acquisitions
• Florida acquisitions
• California acquisitions
• Manufacturers and Traders Trust Company
• The Huntington National Bank
• Columbia Bank
• All franchise brands

Brand name as recorded by lenders in the SBA file: "Edible Arrangements" (franchise code S0568). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.