Cindy's Cinnamon Rolls vs Crumbl Cookies
Cindy's Cinnamon Rolls vs Crumbl Cookies: Cindy's Cinnamon Rolls costs $76K to $189K to open; Crumbl Cookies costs $816K to $1.4M. Cindy's Cinnamon Rolls has 12 units, Crumbl Cookies has 253. SBA loan history: Cindy's Cinnamon Rolls = 17 loans (35.3% default); Crumbl Cookies = 290 loans (0.0% 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 Crumbl Cookies: 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 $816K for Crumbl Cookies), a 91% spread. Initial franchise fees come in at $25K for Cindy's Cinnamon Rolls versus $50K for Crumbl Cookies, Cindy's Cinnamon Rolls has the lower entry fee. Ongoing royalty load is 5% for Cindy's Cinnamon Rolls and 8% for Crumbl Cookies, giving Cindy's Cinnamon Rolls the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Crumbl Cookies operates 253 units to Cindy's Cinnamon Rolls's 12, roughly 21× the system size. Cindy's Cinnamon Rolls has been operating 41 years (founded 1985) versus 9 for Crumbl Cookies (founded 2017), a 32-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Crumbl Cookies has the deeper SBA lending track record, with 290 7(a) approvals compared with 17 for Cindy's Cinnamon Rolls. Cindy's Cinnamon Rolls's peak SBA year was 1997 (5 loans); Crumbl Cookies's peak was 2022 (81 loans). Crumbl Cookies's more recent peak generally indicates fresher lender appetite. Cindy's Cinnamon Rolls has the most SBA funded units in NY, with 7. Crumbl Cookies leads in CA, with 33. 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 $576K for Crumbl Cookies, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 35.3% for Cindy's Cinnamon Rolls and 0.0% for Crumbl Cookies, Crumbl Cookies has the cleaner SBA loss record by 35.3 points. PeerSense FPI scores come in at 30 (Fair) for Cindy's Cinnamon Rolls and 72 (Strong) for Crumbl Cookies, giving Crumbl Cookies the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 30/100 | 72/100 |
Health Tier | Limited | Strong |
Confidence | N/A | N/A |
Lending Trend | N/A | Declining |
SBA Lending
SBA Loans | 17 | 290 |
SBA Volume | – | – |
Default Rate | 35.3% | 0.0% |
Peer Tier | growing | major |
Investment & Costs
Total Investment | $76K to $189K | $816K to $1.4M |
Franchise Fee | $25K | $50K |
Royalty Rate | 5% | 8% |
Ad Fund | N/A | 2% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 12 | 253 |
Franchised Units | 12 | 253 |
Company Owned | – | – |
Term Length | 10 yrs | 5 yrs |
Brand Information
Year Founded | 1985 | 2017 |
Franchising Since | N/A | 2018 |
Years Franchising | N/A | 8 yrs |
Headquarters | ROCHESTER, NY | Lindon, UT |
Category | Baked Goods Stores | Baked Goods Stores |
Website | ||
FDD Year | N/A | 2025 |
Which Is Better, Cindy's Cinnamon Rolls or Crumbl Cookies?
Lower upfront capital required
Tie
Cindy's Cinnamon Rolls: $76K starting · Crumbl Cookies: $816K starting
More SBA lender confidence
Crumbl Cookies
Cindy's Cinnamon Rolls: 17 SBA loans · Crumbl Cookies: 290 SBA loans
Lower SBA default rate
Crumbl Cookies
Cindy's Cinnamon Rolls: 35.3% · Crumbl Cookies: 0.0%
Larger system & brand presence
Tie
Cindy's Cinnamon Rolls: 12 units · Crumbl Cookies: 253 units
Lower ongoing royalty load
Cindy's Cinnamon Rolls
Cindy's Cinnamon Rolls: 5% · Crumbl Cookies: 8%
More lender financing options
Crumbl Cookies
Cindy's Cinnamon Rolls: 12 unique lenders · Crumbl Cookies: 90 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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Cindy's Cinnamon Rolls vs Crumbl Cookies: Franchise Funding Comparison
Comparing Cindy's Cinnamon Rolls and Crumbl Cookies is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $76K to $1.4M.
Cindy's Cinnamon Rolls has 17 SBA loans on record and Crumbl Cookies has 290. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
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 Crumbl Cookies, Frequently Asked Questions
Which is a better franchise investment, Cindy's Cinnamon Rolls or Crumbl Cookies?
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Which has a lower SBA default rate, Cindy's Cinnamon Rolls or Crumbl Cookies?
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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
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