Cindy's Cinnamon Rolls vs Cookie Co
Cindy's Cinnamon Rolls vs Cookie Co: Cindy's Cinnamon Rolls costs $76K to $189K to open; Cookie Co costs $233K to $553K. Cindy's Cinnamon Rolls has 12 units, Cookie Co has 11. SBA loan history: Cindy's Cinnamon Rolls = 17 loans (35.3% default); Cookie Co = 14 loans (7.1% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
Cindy's Cinnamon Rolls vs Cookie Co: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Cindy's Cinnamon Rolls requires the lower minimum capital commitment ($76K vs $233K for Cookie Co), a 67% spread. Initial franchise fees come in at $25K for Cindy's Cinnamon Rolls versus $35K for Cookie Co, Cindy's Cinnamon Rolls has the lower entry fee. Ongoing royalty load is 5% for Cindy's Cinnamon Rolls and 7% for Cookie Co, giving Cindy's Cinnamon Rolls the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Cindy's Cinnamon Rolls operates 12 units to Cookie Co's 11. Cindy's Cinnamon Rolls has been operating 41 years (founded 1985) versus 6 for Cookie Co (founded 2020), a 35-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Cindy's Cinnamon Rolls has the deeper SBA lending track record, with 17 7(a) approvals compared with 14 for Cookie Co. Cindy's Cinnamon Rolls's peak SBA year was 1997 (5 loans); Cookie Co's peak was 2023 (8 loans). Cookie Co's more recent peak generally indicates fresher lender appetite. Cindy's Cinnamon Rolls has the most SBA funded units in NY, with 7. Cookie Co leads in CA, with 7. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Cindy's Cinnamon Rolls deals is $117K vs $174K for Cookie Co, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 35.3% for Cindy's Cinnamon Rolls and 7.1% for Cookie Co, Cookie Co has the cleaner SBA loss record by 28.2 points. PeerSense FPI scores come in at 30 (Fair) for Cindy's Cinnamon Rolls and 45 (Fair) for Cookie Co, giving Cookie Co the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 30/100 | 45/100 |
Health Tier | Limited | Fair |
Confidence | N/A | N/A |
Lending Trend | N/A | N/A |
SBA Lending
SBA Loans | 17 | 14 |
SBA Volume | – | – |
Default Rate | 35.3% | 7.1% |
Peer Tier | growing | growing |
Investment & Costs
Total Investment | $76K to $189K | $233K to $553K |
Franchise Fee | $25K | $35K |
Royalty Rate | 5% | 7% |
Ad Fund | N/A | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 12 | 11 |
Franchised Units | 12 | 11 |
Company Owned | – | – |
Term Length | 10 yrs | N/A |
Brand Information
Year Founded | 1985 | 2020 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | ROCHESTER, NY | Lehi, UT |
Category | Baked Goods Stores | Baked Goods Stores |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Cindy's Cinnamon Rolls or Cookie Co?
Lower upfront capital required
Tie
Cindy's Cinnamon Rolls: $76K starting · Cookie Co: $233K starting
More SBA lender confidence
Cindy's Cinnamon Rolls
Cindy's Cinnamon Rolls: 17 SBA loans · Cookie Co: 14 SBA loans
Lower SBA default rate
Cookie Co
Cindy's Cinnamon Rolls: 35.3% · Cookie Co: 7.1%
Larger system & brand presence
Tie
Cindy's Cinnamon Rolls: 12 units · Cookie Co: 11 units
Lower ongoing royalty load
Cindy's Cinnamon Rolls
Cindy's Cinnamon Rolls: 5% · Cookie Co: 7%
More lender financing options
Cindy's Cinnamon Rolls
Cindy's Cinnamon Rolls: 12 unique lenders · Cookie Co: 6 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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About These Franchises
Cindy's Cinnamon Rolls vs Cookie Co: Franchise Funding Comparison
Comparing Cindy's Cinnamon Rolls and Cookie Co is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $76K to $553K.
Cindy's Cinnamon Rolls has 17 SBA loans on record and Cookie Co has 14. Those totals are cumulative history rather than a measure of current appetite. There is not enough recent lending activity on record to judge current appetite for at least one of these brands, so it has to be checked deal by deal.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
Cindy's Cinnamon Rolls vs Cookie Co, Frequently Asked Questions
Which is a better franchise investment, Cindy's Cinnamon Rolls or Cookie Co?
How much does a Cindy's Cinnamon Rolls franchise cost compared to Cookie Co?
Can I finance Cindy's Cinnamon Rolls or Cookie Co with an SBA loan?
Which has a lower SBA default rate, Cindy's Cinnamon Rolls or Cookie Co?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman