Cookies In Bloom vs Schakolad Chocolate Factory
Cookies In Bloom vs Schakolad Chocolate Factory: Cookies In Bloom costs $25K to $75K to open; Schakolad Chocolate Factory costs $37K to $266K. Cookies In Bloom has 6 units, Schakolad Chocolate Factory has 11. SBA loan history: Cookies In Bloom = 7 loans (14.3% default); Schakolad Chocolate Factory = 8 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.
Cookies In Bloom vs Schakolad Chocolate Factory: 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
Cookies In Bloom requires the lower minimum capital commitment ($25K vs $37K for Schakolad Chocolate Factory), a 32% spread. Initial franchise fees come in at $20K for Cookies In Bloom versus $40K for Schakolad Chocolate Factory, Cookies In Bloom has the lower entry fee.
System Scale & Tenure
On scale, Schakolad Chocolate Factory operates 11 units to Cookies In Bloom's 6. Cookies In Bloom has been operating 37 years (founded 1989) versus 31 for Schakolad Chocolate Factory (founded 1995), a 6-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Schakolad Chocolate Factory has the deeper SBA lending track record, with 8 7(a) approvals compared with 7 for Cookies In Bloom. Cookies In Bloom's peak SBA year was 2005 (4 loans); Schakolad Chocolate Factory's peak was 2004 (3 loans). Cookies In Bloom's more recent peak generally indicates fresher lender appetite. Cookies In Bloom has the most SBA funded units in TX, with 3. Schakolad Chocolate Factory leads in FL, with 5. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Cookies In Bloom deals is $53K vs $332K for Schakolad Chocolate Factory, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 14.3% for Cookies In Bloom and 0.0% for Schakolad Chocolate Factory, Schakolad Chocolate Factory has the cleaner SBA loss record by 14.3 points. PeerSense FPI scores come in at 26 (Fair) for Cookies In Bloom and 45 (Fair) for Schakolad Chocolate Factory, giving Schakolad Chocolate Factory the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 26/100 | 45/100 |
Health Tier | Limited | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 7 | 8 |
SBA Volume | – | – |
Default Rate | 14.3% | 0.0% |
Peer Tier | emerging | emerging |
Investment & Costs
Total Investment | $25K to $75K | $37K to $266K |
Franchise Fee | $20K | $40K |
Royalty Rate | N/A | N/A |
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 | 6 | 11 |
Franchised Units | 6 | 11 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | 1989 | 1995 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | CYPRESS, TX | ORLANDO, FL |
Category | Confectionery | Confectionery |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Cookies In Bloom or Schakolad Chocolate Factory?
Lower upfront capital required
Tie
Cookies In Bloom: $25K starting · Schakolad Chocolate Factory: $37K starting
More SBA lender confidence
Schakolad Chocolate Factory
Cookies In Bloom: 7 SBA loans · Schakolad Chocolate Factory: 8 SBA loans
Lower SBA default rate
Schakolad Chocolate Factory
Cookies In Bloom: 14.3% · Schakolad Chocolate Factory: 0.0%
Larger system & brand presence
Tie
Cookies In Bloom: 6 units · Schakolad Chocolate Factory: 11 units
More lender financing options
Tie
Cookies In Bloom: 6 unique lenders · Schakolad Chocolate Factory: 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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Cookies In Bloom vs Schakolad Chocolate Factory: Franchise Funding Comparison
Comparing Cookies In Bloom and Schakolad Chocolate Factory is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $25K to $266K.
Cookies In Bloom has 7 SBA loans on record and Schakolad Chocolate Factory has 8. 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.
Cookies In Bloom vs Schakolad Chocolate Factory, Frequently Asked Questions
Which is a better franchise investment, Cookies In Bloom or Schakolad Chocolate Factory?
How much does a Cookies In Bloom franchise cost compared to Schakolad Chocolate Factory?
Can I finance Cookies In Bloom or Schakolad Chocolate Factory with an SBA loan?
Which has a lower SBA default rate, Cookies In Bloom or Schakolad Chocolate Factory?
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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