Crave Cookies vs Vicky Bakery
Crave Cookies vs Vicky Bakery: Crave Cookies costs $302K to $707K to open; Vicky Bakery costs $361K to $1.8M. Crave Cookies has 13 units, Vicky Bakery has 6. SBA loan history: Crave Cookies = 13 loans (7.7% default); Vicky Bakery = 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.
Crave Cookies vs Vicky Bakery: 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
Crave Cookies requires the lower minimum capital commitment ($302K vs $361K for Vicky Bakery), a 16% spread. Initial franchise fees come in at $30K for Crave Cookies versus $35K for Vicky Bakery, Crave Cookies has the lower entry fee. Ongoing royalty load is 6% for Crave Cookies and 6% for Vicky Bakery, equal royalty drag.
System Scale & Tenure
On scale, Crave Cookies operates 13 units to Vicky Bakery's 6, roughly 2× the system size. Vicky Bakery has been operating 54 years (founded 1972) versus 7 for Crave Cookies (founded 2019), a 47-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Crave Cookies has the deeper SBA lending track record, with 13 7(a) approvals compared with 8 for Vicky Bakery.
Risk Signal
SBA default rates are 7.7% for Crave Cookies and 0.0% for Vicky Bakery, Vicky Bakery has the cleaner SBA loss record by 7.7 points. PeerSense FPI scores come in at 59 (Moderate) for Crave Cookies and 54 (Moderate) for Vicky Bakery, giving Crave Cookies the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 59/100 | 54/100 |
Health Tier | Moderate | Moderate |
Confidence | N/A | N/A |
Lending Trend | N/A | N/A |
SBA Lending
SBA Loans | 13 | 8 |
SBA Volume | – | – |
Default Rate | 7.7% | 0.0% |
Peer Tier | growing | emerging |
Investment & Costs
Total Investment | $302K to $707K | $361K to $1.8M |
Franchise Fee | $30K | $35K |
Royalty Rate | 6% | 6% |
Ad Fund | 2% | 2% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 13 | 6 |
Franchised Units | 13 | 6 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 2019 | 1972 |
Franchising Since | 2023 | N/A |
Years Franchising | 3 yrs | N/A |
Headquarters | Holladay, UT | Miami, FL |
Category | Retail Bakeries | Retail Bakeries |
Website | ||
FDD Year | 2024 | N/A |
Which Is Better, Crave Cookies or Vicky Bakery?
Lower upfront capital required
Tie
Crave Cookies: $302K starting · Vicky Bakery: $361K starting
More SBA lender confidence
Crave Cookies
Crave Cookies: 13 SBA loans · Vicky Bakery: 8 SBA loans
Lower SBA default rate
Vicky Bakery
Crave Cookies: 7.7% · Vicky Bakery: 0.0%
Larger system & brand presence
Tie
Crave Cookies: 13 units · Vicky Bakery: 6 units
Lower ongoing royalty load
Tie
Crave Cookies: 6% · Vicky Bakery: 6%
More lender financing options
Crave Cookies
Crave Cookies: 12 unique lenders · Vicky Bakery: 3 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
Crave Cookies vs Vicky Bakery: Franchise Funding Comparison
Comparing Crave Cookies and Vicky Bakery is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $302K to $1.8M.
Crave Cookies has 13 SBA loans on record and Vicky Bakery has 8. 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.
Crave Cookies vs Vicky Bakery, Frequently Asked Questions
Which is a better franchise investment, Crave Cookies or Vicky Bakery?
How much does a Crave Cookies franchise cost compared to Vicky Bakery?
Can I finance Crave Cookies or Vicky Bakery with an SBA loan?
Which has a lower SBA default rate, Crave Cookies or Vicky Bakery?
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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