Schakolad Chocolate Factory vs Sweet Factory
Schakolad Chocolate Factory vs Sweet Factory: Schakolad Chocolate Factory costs $37K to $266K to open; Sweet Factory costs $80K to $501K. Schakolad Chocolate Factory has 11 units, Sweet Factory has 7. SBA loan history: Schakolad Chocolate Factory = 8 loans (0.0% default); Sweet Factory = 7 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.
Schakolad Chocolate Factory vs Sweet 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
Schakolad Chocolate Factory requires the lower minimum capital commitment ($37K vs $80K for Sweet Factory), a 54% spread. Initial franchise fees come in at $40K for Schakolad Chocolate Factory versus $35K for Sweet Factory, Sweet Factory has the lower entry fee.
System Scale & Tenure
On scale, Schakolad Chocolate Factory operates 11 units to Sweet Factory's 7. Sweet Factory has been operating 40 years (founded 1986) versus 31 for Schakolad Chocolate Factory (founded 1995), a 9-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 Sweet Factory. Schakolad Chocolate Factory's peak SBA year was 2004 (3 loans); Sweet Factory's peak was 2009 (2 loans). Sweet Factory's more recent peak generally indicates fresher lender appetite. Schakolad Chocolate Factory has the most SBA funded units in FL, with 5. Sweet Factory leads in CA, with 6. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Schakolad Chocolate Factory deals is $332K vs $258K for Sweet Factory, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Schakolad Chocolate Factory and 0.0% for Sweet Factory. PeerSense FPI scores come in at 45 (Fair) for Schakolad Chocolate Factory and 45 (Fair) for Sweet Factory.
Health & Performance
FPI Score | 45/100 | 45/100 |
Health Tier | Fair | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 8 | 7 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | emerging | emerging |
Investment & Costs
Total Investment | $37K to $266K | $80K to $501K |
Franchise Fee | $40K | $35K |
Royalty Rate | N/A | 6% |
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 | 11 | 7 |
Franchised Units | 11 | 7 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 1995 | 1986 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | ORLANDO, FL | Brea, CA |
Category | Confectionery | Confectionery |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Schakolad Chocolate Factory or Sweet Factory?
Lower upfront capital required
Tie
Schakolad Chocolate Factory: $37K starting · Sweet Factory: $80K starting
More SBA lender confidence
Schakolad Chocolate Factory
Schakolad Chocolate Factory: 8 SBA loans · Sweet Factory: 7 SBA loans
Lower SBA default rate
Tie
Schakolad Chocolate Factory: 0.0% · Sweet Factory: 0.0%
Larger system & brand presence
Tie
Schakolad Chocolate Factory: 11 units · Sweet Factory: 7 units
More lender financing options
Schakolad Chocolate Factory
Schakolad Chocolate Factory: 6 unique lenders · Sweet Factory: 4 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
Schakolad Chocolate Factory vs Sweet Factory: Franchise Funding Comparison
Comparing Schakolad Chocolate Factory and Sweet Factory is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $37K to $501K.
Schakolad Chocolate Factory has 8 SBA loans on record and Sweet Factory has 7. 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.
Schakolad Chocolate Factory vs Sweet Factory, Frequently Asked Questions
Which is a better franchise investment, Schakolad Chocolate Factory or Sweet Factory?
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Which has a lower SBA default rate, Schakolad Chocolate Factory or Sweet 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