Chip/Chip Cookies
The total investment to open a Chip/Chip Cookies franchise ranges from $312,000 to $540,000. The initial franchise fee is $40,000. Ongoing royalties are 6% plus a 2% advertising fee.
What is the Chip/Chip Cookies franchise?
Chip/Chip Cookies is a cookie shop that sells baked cookies to customers. Estimated total initial investment is $312,000 to $540,000, and the initial franchise fee is $40,000.
The royalty is 6 percent of sales, and the advertising or brand fund fee is 2 percent.
The company is headquartered in Culver City, CA. It was founded in 2016.
Loan Activity Score
60/100
SBA Default Rate
0.0%
Active Lenders
6
According to its Franchise Disclosure Document or public business records, Chip/Chip Cookies has 9 locations, all owned by franchisees. Public SBA loan records show 6 lenders made 10 loans to franchisees of Chip/Chip Cookies. PeerSense calculates Chip/Chip Cookies's score as 60 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2016 · 9 locations
$312,000 to $540,000
$40,000
9
9 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Chip/Chip Cookies
10
Total SBA loans
$403K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Chip/Chip Cookies
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
0.0%
vs 10.3% peer avg
SBA Loans
10
Total Volume
$4.0M
Active Lenders
6
2 selective
States
4
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 Chip/Chip Cookies based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
10 loans
Across 6 lenders
Lender Diversity
6 lenders
Avg 1.7 loans per lender
Investment Tier
Significant investment
$312,000 to $540,000 total
Chip/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
2023
7 approvals. The best year on record for Chip/Chip Cookies.
Top SBA State
California
5 SBA financed Chip/Chip Cookies locations, the densest operator footprint.
Average Loan Size
$403K
Median $423K. Use as a sizing anchor when modeling your own Chip/Chip Cookies unit.
Lender Concentration
70%
Concentrated
Share of Chip/Chip Cookies approvals captured by the top 3 SBA lenders.
Chip/Chip Cookies's SBA lending pipeline peaked in 2023 (7 approvals). The last five fiscal years account for 100% of cumulative volume ($4.0M approved). Operator density is highest in California with 5 SBA financed locations. Average funded ticket sits at $403K, with the median at $423K. Lender mix is concentrated: the top three SBA lenders account for 70% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$3,230
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
Chip/Chip Cookies, 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; 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