Blue Chip Cookies
The total investment to open a Blue Chip Cookies franchise ranges from $110,340 to $272,800.
What is the Blue Chip Cookies franchise?
Blue Chip Cookies is a bakery business that sells cookies and other baked treats to customers. The estimated total initial investment to open is $110,340 to $272,800.
The franchise is headquartered in Milford, CA. Blue Chip Cookies was founded in 1983.
Loan Activity Score
31/100
SBA Default Rate
25.0%
Active Lenders
7
According to its Franchise Disclosure Document or public business records, Blue Chip Cookies has 6 locations, all owned by franchisees. Public SBA loan records show 7 lenders made 8 loans to franchisees of Blue Chip Cookies. PeerSense calculates Blue Chip Cookies's score as 31 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1983 · 6 locations
$110,340 to $272,800
6
6 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Blue Chip Cookies
8
Total SBA loans
$185K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Blue Chip Cookies
Loan Activity Score Breakdown
Emerging (3 to 9 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
25.0%
vs 10.3% peer avg
SBA Loans
8
Total Volume
$1.5M
Active Lenders
7
1 selective
States
7
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 Blue Chip Cookies based on SBA lending data
SBA Default Rate
25.0%
14.7% above peer avg
SBA Loan Volume
8 loans
Across 7 lenders
Lender Diversity
7 lenders
Avg 1.1 loans per lender
Investment Tier
Mid range investment
$110,340 to $272,800 total
Blue Chip Cookies: 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
1996
2 approvals. The best year on record for Blue Chip Cookies.
Top SBA State
California
2 SBA financed Blue Chip Cookies locations, the densest operator footprint.
Average Loan Size
$185K
Median $171K. Use as a sizing anchor when modeling your own Blue Chip Cookies unit.
Lender Concentration
50%
Concentrated
Share of Blue Chip Cookies approvals captured by the top 3 SBA lenders.
Blue Chip Cookies's SBA lending pipeline peaked in 1996 (2 approvals). Operator density is highest in California with 2 SBA financed locations. Average funded ticket sits at $185K, with the median at $171K. Lender mix is concentrated: the top three SBA lenders account for 50% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,142
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
Blue Chip Cookies, unit breakdown
Explore Funding for Blue Chip Cookies
Our business financing consultants help connect you with the right lending partners. Referral fee paid at closing.
Or get an instant analysis
Scan Your Deal InstantlyPage 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