Buying a Haagen-Dazs franchise: SBA acquisition loan data
Since FY2018, SBA lenders have approved 5 7(a) loans to buy an existing Haagen-Dazs (classified mostly as Snack and Nonalcoholic Beverage Bars), totaling $1.5M. The median loan was $370,000, 43% lower than the $645,250 median for all SBA-financed acquisitions. 1 of these loans were approved in the last two fiscal years.
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What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of Haagen-Dazs resale loans landed between $225,000 and $388,400.
- Lender experience exists. Midwest Regional Bank alone has financed 1 Haagen-Dazs 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.
Financing a Haagen-Dazs resale
The median SBA 7(a) loan for a Haagen-Dazs resale was $370,000 across 5 loans (FY2018 to FY2026). Midwest Regional Bank, Wells Fargo Bank National Association and United Business Bank have financed the most Haagen-Dazs resales. Too few of these loans are old enough to measure a charge-off rate; the average for all SBA acquisition loans is 3.5%.
Haagen-Dazs acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $390K | $390,000 | |
| FY2019 | 1 | $388K | $388,400 | |
| FY2020 | 2 | $517K | $258,250 | |
| FY2021 | 0 | $0 | - | |
| FY2022 | 0 | $0 | - | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 1 | $225K | $225,000 |
How often do these acquisition loans fail?
Fewer than 20 Haagen-Dazs acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. 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.
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Lenders financing Haagen-Dazs resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Midwest Regional Bank | 1 | 20.0% | $390K | |
| 2 | Wells Fargo Bank National Association | 1 | 20.0% | $388K | |
| 3 | United Business Bank | 1 | 20.0% | $370K | |
| 4 | Live Oak Banking Company | 1 | 20.0% | $225K | |
| 5 | Stearns Bank National Association | 1 | 20.0% | $147K |
States where Haagen-Dazs units are bought
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Florida | 1 | 20.0% | $390K | |
| 2 | Kansas | 1 | 20.0% | $388K | |
| 3 | California | 1 | 20.0% | $370K | |
| 4 | Maryland | 1 | 20.0% | $225K | |
| 5 | Georgia | 1 | 20.0% | $147K |
The purchase agreement decides what you bought, not the loan approval.
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Questions buyers ask
How much do buyers borrow to buy a Haagen-Dazs franchise?
The median SBA 7(a) loan for a Haagen-Dazs resale was $370,000 across 5 loans (FY2018 to FY2026). The middle half of loans ran from $225,000 to $388,400. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Haagen-Dazs acquisitions?
Midwest Regional Bank has made the most SBA acquisition loans for Haagen-Dazs (1, 20% of the total). Wells Fargo Bank National Association, United Business Bank, Live Oak Banking Company follow.
What interest rate and term do Haagen-Dazs acquisition loans carry?
The average initial rate at approval was 8.01% (a blend of fixed and variable loans across several rate environments, so treat it as context, not a quote). The median term was 10 years.
Is a Haagen-Dazs resale riskier than other SBA-financed acquisitions?
Too few Haagen-Dazs acquisition loans are old enough to measure. The benchmark for all SBA acquisition loans is 3.5% charged off in the FY2018 to FY2021 cohort.
Where are Haagen-Dazs units being bought with SBA loans?
Florida (1), Kansas (1), California (1), Maryland (1), Georgia (1). State counts follow where the brand has units and where SBA lending is most active generally; see the state pages for the overall picture.
That draft favors the seller. We review it for the buyer, line by line.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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Related
- All Snack and Nonalcoholic Beverage Bars acquisitions
- Florida acquisitions
- Kansas acquisitions
- California acquisitions
- Midwest Regional Bank
- Wells Fargo Bank National Association
- United Business Bank
- All franchise brands
Brand name as recorded by lenders in the SBA file: "Haagen-Dazx" (franchise code S0776). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.