Nothing Bundt Cakes vs Vicky Bakery
Nothing Bundt Cakes vs Vicky Bakery: Nothing Bundt Cakes costs $257K to $387K to open; Vicky Bakery costs $361K to $1.8M. Nothing Bundt Cakes has 276 units, Vicky Bakery has 6. SBA loan history: Nothing Bundt Cakes = 318 loans (0.0% 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.
Nothing Bundt Cakes 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
Nothing Bundt Cakes requires the lower minimum capital commitment ($257K vs $361K for Vicky Bakery), a 29% spread. Initial franchise fees come in at $35K for Nothing Bundt Cakes versus $35K for Vicky Bakery. Ongoing royalty load is 6% for Nothing Bundt Cakes and 6% for Vicky Bakery, equal royalty drag.
System Scale & Tenure
On scale, Nothing Bundt Cakes operates 276 units to Vicky Bakery's 6, roughly 46× the system size. Vicky Bakery has been operating 54 years (founded 1972) versus 29 for Nothing Bundt Cakes (founded 1997), a 25-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Nothing Bundt Cakes has the deeper SBA lending track record, with 318 7(a) approvals compared with 8 for Vicky Bakery. Nothing Bundt Cakes's peak SBA year was 2021 (47 loans); Vicky Bakery's peak was 2025 (3 loans). Vicky Bakery's more recent peak generally indicates fresher lender appetite. Nothing Bundt Cakes has the most SBA funded units in TX, with 37. Vicky Bakery leads in FL, with 8. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Nothing Bundt Cakes deals is $480K vs $1.0M for Vicky Bakery, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Nothing Bundt Cakes and 0.0% for Vicky Bakery. PeerSense FPI scores come in at 71 (Strong) for Nothing Bundt Cakes and 54 (Moderate) for Vicky Bakery, giving Nothing Bundt Cakes the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 71/100 | 54/100 |
Health Tier | Strong | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | N/A |
SBA Lending
SBA Loans | 318 | 8 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | major | emerging |
Investment & Costs
Total Investment | $257K to $387K | $361K to $1.8M |
Franchise Fee | $35K | $35K |
Royalty Rate | 6% | 6% |
Ad Fund | 5% | 2% |
Liquid Capital | $150K | N/A |
Net Worth Required | $600K | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 276 | 6 |
Franchised Units | 276 | 6 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 1997 | 1972 |
Franchising Since | 1960 | N/A |
Years Franchising | 66 yrs | N/A |
Headquarters | RIVERSIDE, CA | Miami, FL |
Category | Retail Bakeries | Retail Bakeries |
Website | ||
FDD Year | 2025 | N/A |
Which Is Better, Nothing Bundt Cakes or Vicky Bakery?
Lower upfront capital required
Tie
Nothing Bundt Cakes: $257K starting · Vicky Bakery: $361K starting
More SBA lender confidence
Nothing Bundt Cakes
Nothing Bundt Cakes: 318 SBA loans · Vicky Bakery: 8 SBA loans
Lower SBA default rate
Tie
Nothing Bundt Cakes: 0.0% · Vicky Bakery: 0.0%
Larger system & brand presence
Tie
Nothing Bundt Cakes: 276 units · Vicky Bakery: 6 units
Lower ongoing royalty load
Tie
Nothing Bundt Cakes: 6% · Vicky Bakery: 6%
More lender financing options
Nothing Bundt Cakes
Nothing Bundt Cakes: 79 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
Nothing Bundt Cakes vs Vicky Bakery: Franchise Funding Comparison
Comparing Nothing Bundt Cakes and Vicky Bakery is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $257K to $1.8M.
Nothing Bundt Cakes has 318 SBA loans on record and Vicky Bakery 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.
Nothing Bundt Cakes vs Vicky Bakery, Frequently Asked Questions
Which is a better franchise investment, Nothing Bundt Cakes or Vicky Bakery?
How much does a Nothing Bundt Cakes franchise cost compared to Vicky Bakery?
Can I finance Nothing Bundt Cakes or Vicky Bakery with an SBA loan?
Which has a lower SBA default rate, Nothing Bundt Cakes 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