Buying a Yogurtland franchise: SBA acquisition loan data
Since FY2018, SBA lenders have approved 6 7(a) loans to buy an existing Yogurtland (classified mostly as Snack and Nonalcoholic Beverage Bars), totaling $2.1M. The median loan was $209,250, 68% lower than the $645,250 median for all SBA-financed acquisitions.
The purchase agreement decides what you bought, not the loan approval.
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What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of Yogurtland resale loans landed between $185,250 and $241,875.
- Lender experience exists. BMO Bank National Association alone has financed 1 Yogurtland resales.
- Guaranty. The SBA guaranteed 74% of the dollars lent here.
- What the file leaves out. The SBA file does not record franchisor transfer terms or fees.
Financing a Yogurtland resale
The median SBA 7(a) loan for a Yogurtland resale was $209,250 across 6 loans (FY2018 to FY2026). BMO Bank National Association, CDC Small Business Finance Corp. and U.S. Bank, National Association have financed the most Yogurtland 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%.
Yogurtland acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 2 | $400K | $200,000 | |
| FY2019 | 2 | $419K | $209,250 | |
| FY2020 | 0 | $0 | - | |
| FY2021 | 0 | $0 | - | |
| FY2022 | 1 | $180K | $180,000 | |
| FY2023 | 1 | $1.1M | $1,060,000 | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 0 | $0 | - |
How often do these acquisition loans fail?
Fewer than 20 Yogurtland 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.
Terms signed in the LOI shape the purchase agreement that follows.
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Lenders financing Yogurtland resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | BMO Bank National Association | 1 | 16.7% | $1.1M | |
| 2 | CDC Small Business Finance Corp. | 1 | 16.7% | $250K | |
| 3 | U.S. Bank, National Association | 1 | 16.7% | $218K | |
| 4 | Hanmi Bank | 1 | 16.7% | $201K | |
| 5 | Bank of Hope | 1 | 16.7% | $180K | |
| 6 | Shinhan Bank America | 1 | 16.7% | $150K |
States where Yogurtland units are bought
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 6 | 100.0% | $2.1M |
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How lenders classify Yogurtland
Lenders code each loan to a NAICS industry. For Yogurtland the codes used were:
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Snack and Nonalcoholic Beverage Bars | 5 | 83.3% | $1.9M | |
| 2 | All Other Specialty Food Retailers | 1 | 16.7% | $201K |
Questions buyers ask
How much do buyers borrow to buy a Yogurtland franchise?
The median SBA 7(a) loan for a Yogurtland resale was $209,250 across 6 loans (FY2018 to FY2026). The middle half of loans ran from $185,250 to $241,875. 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 Yogurtland acquisitions?
BMO Bank National Association has made the most SBA acquisition loans for Yogurtland (1, 17% of the total). CDC Small Business Finance Corp., U.S. Bank, National Association, Hanmi Bank follow.
What interest rate and term do Yogurtland acquisition loans carry?
The average initial rate at approval was 7.09% (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 Yogurtland resale riskier than other SBA-financed acquisitions?
Too few Yogurtland 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 Yogurtland units being bought with SBA loans?
California (6). State counts follow where the brand has units and where SBA lending is most active generally; see the state pages for the overall picture.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
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Related
- All Snack and Nonalcoholic Beverage Bars acquisitions
- California acquisitions
- BMO Bank National Association
- CDC Small Business Finance Corp.
- U.S. Bank, National Association
- All franchise brands
Brand name as recorded by lenders in the SBA file: "Yogurtland" (franchise code S1972). Figures are aggregates of public SBA data and are not provided or endorsed by the franchisor.