Bagel King
The total investment to open a Bagel King franchise ranges from $97,500 to $173,000.
What is the Bagel King franchise?
Bagel King is a restaurant franchise that sells bagels and meals to customers. The estimated total initial investment is $97,500 to $173,000.
The company was founded in 1977 and is headquartered in Orlando, Florida.
Loan Activity Score
29/100
SBA Default Rate
50.0%
Active Lenders
5
According to its Franchise Disclosure Document or public business records, Bagel King has 9 locations, all owned by franchisees. Public SBA loan records show 5 lenders made 10 loans to franchisees of Bagel King. PeerSense calculates Bagel King's score as 29 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1977 · 9 locations
$97,500 to $173,000
9
9 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Bagel King
10
Total SBA loans
$121K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Bagel King
Loan Activity Score Breakdown
Growing (10 to 24 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
50.0%
vs 10.3% peer avg
SBA Loans
10
Total Volume
$1.2M
Active Lenders
5
1 selective
States
2
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Bagel King based on SBA lending data
SBA Default Rate
50.0%
39.7% above peer avg
SBA Loan Volume
10 loans
Across 5 lenders
Lender Diversity
5 lenders
Avg 2.0 loans per lender
Investment Tier
Mid range investment
$97,500 to $173,000 total
Bagel King: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
1997
4 approvals. The best year on record for Bagel King.
Top SBA State
Florida
9 SBA financed Bagel King locations, the densest operator footprint.
Average Loan Size
$121K
Median $100K. Use as a sizing anchor when modeling your own Bagel King unit.
Lender Concentration
80%
Concentrated
Share of Bagel King approvals captured by the top 3 SBA lenders.
Bagel King's SBA lending pipeline peaked in 1997 (4 approvals). Operator density is highest in Florida with 9 SBA financed locations. Average funded ticket sits at $121K, with the median at $100K. Lender mix is concentrated: the top three SBA lenders account for 80% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,009
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Bagel King, unit breakdown
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Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and 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