Cold Stone Creamery vs Scooter's Coffee
Cold Stone Creamery vs Scooter's Coffee: Cold Stone Creamery costs $121K–$655K to open; Scooter's Coffee costs $692K–$1.5M. Cold Stone Creamery has 945 units, Scooter's Coffee has 849. SBA loan history: Cold Stone Creamery = 1,219 loans (23.5% default); Scooter's Coffee = 342 loans (0.9% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
Cold Stone Creamery vs Scooter's Coffee: Capital, Scale & Lending Analysis
Data-driven differentiation pulled from 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
Cold Stone Creamery requires the lower minimum capital commitment ($121K vs $692K for Scooter's Coffee), a 83% spread. Initial franchise fees come in at $25K for Cold Stone Creamery versus $40K for Scooter's Coffee, Cold Stone Creamery has the lower entry fee. Ongoing royalty load is 6% for Cold Stone Creamery and 6% for Scooter's Coffee, equal royalty drag.
System Scale & Tenure
On scale, Cold Stone Creamery operates 945 units to Scooter's Coffee's 849. Cold Stone Creamery has been operating 38 years (founded 1988) versus 28 for Scooter's Coffee (founded 1998), a 10-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Cold Stone Creamery has the deeper SBA lending track record with 1,219 historical 7(a) approvals versus 342 for Scooter's Coffee. Cold Stone Creamery's peak SBA year was 2005 (227 loans); Scooter's Coffee's peak was 2022 (70 loans). Scooter's Coffee's more recent peak generally indicates fresher lender appetite. Geographically, Cold Stone Creamery concentrates in CA (238 SBA-funded units) while Scooter's Coffee leads in TX (39). Pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded Cold Stone Creamery deals is $256K vs $890K for Scooter's Coffee, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 23.5% for Cold Stone Creamery and 0.9% for Scooter's Coffee, Scooter's Coffee has the cleaner historical loss profile by 22.6 points. PeerSense FPI scores come in at 49 (Fair) for Cold Stone Creamery and 86 (Excellent) for Scooter's Coffee, giving Scooter's Coffee the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 49/100 | 86/100 |
Health Tier | Fair | Excellent |
Confidence | N/A | N/A |
Lending Trend | Declining | Stable |
SBA Lending
SBA Loans | 1,219 | 342 |
SBA Volume | – | – |
Default Rate | 23.5% | 0.9% |
Peer Tier | major | major |
Investment & Costs
Total Investment | $121K – $655K | $692K – $1.5M |
Franchise Fee | $25K | $40K |
Royalty Rate | 6% | 6% |
Ad Fund | 3% | 2% |
Liquid Capital | $100K | $200K |
Net Worth Required | $250K | $500K |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 945 | 849 |
Franchised Units | 945 | 825 |
Company-Owned | – | 24 |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 1988 | 1998 |
Franchising Since | 1994 | 2010 |
Years Franchising | 32 yrs | 16 yrs |
Headquarters | Scottsdale, AZ | Omaha, NE |
Category | Snack | Snack |
Website | ||
FDD Year | 2023 | 2026 |
Which Is Better, Cold Stone Creamery or Scooter's Coffee?
Lower upfront capital required
Cold Stone Creamery
Cold Stone Creamery: $121K starting · Scooter's Coffee: $692K starting
More SBA lender confidence
Cold Stone Creamery
Cold Stone Creamery: 1,219 SBA loans · Scooter's Coffee: 342 SBA loans
Lower historical default rate
Scooter's Coffee
Cold Stone Creamery: 23.5% · Scooter's Coffee: 0.9%
Larger system & brand presence
Cold Stone Creamery
Cold Stone Creamery: 945 units · Scooter's Coffee: 849 units
Lower ongoing royalty load
Tie
Cold Stone Creamery: 6% · Scooter's Coffee: 6%
More lender financing options
Cold Stone Creamery
Cold Stone Creamery: 220 unique lenders · Scooter's Coffee: 89 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
Cold Stone Creamery vs Scooter's Coffee: Franchise Funding Comparison
Comparing Cold Stone Creamery and Scooter's Coffee is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $121K to $1.5M.
Both brands have active SBA lending histories, Cold Stone Creamery with 1,219 SBA loans and Scooter's Coffee with 342. This means proven lender acceptance and established underwriting paths for franchise buyers.
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.
Cold Stone Creamery vs Scooter's Coffee, Frequently Asked Questions
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