Chocolate, Chocolate, Chocolat
The total investment to open a Chocolate, Chocolate, Chocolat franchise ranges from $178,300 to $250,500. The initial franchise fee is $20,000. Ongoing royalties are 6%.
What is the Chocolate, Chocolate, Chocolat franchise?
Chocolate, Chocolate, Chocolat sells chocolate and other confectionery to customers, including people buying treats or gifts. Estimated initial investment is $178,300 to $250,500, with an initial franchise fee of $20,000.
The ongoing royalty is 6 percent of sales. The company is headquartered in St. Louis, MO, and was founded in 2009.
Loan Activity Score
28/100
SBA Default Rate
25.0%
Active Lenders
3
According to its Franchise Disclosure Document or public business records, Chocolate, Chocolate, Chocolat has 3 locations, all owned by franchisees. Public SBA loan records show 3 lenders made 4 loans to franchisees of Chocolate, Chocolate, Chocolat. PeerSense calculates Chocolate, Chocolate, Chocolat's score as 28 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2009 · 3 locations
$178,300 to $250,500
$20,000
3
3 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Chocolate, Chocolate, Chocolat
4
Total SBA loans
$237K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Chocolate, Chocolate, Chocolat
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 9.9% peer avg
SBA Loans
4
Total Volume
$0.9M
Active Lenders
3
1 selective
States
3
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 Chocolate, Chocolate, Chocolat based on SBA lending data
SBA Default Rate
25.0%
15.1% above peer avg
SBA Loan Volume
4 loans
Across 3 lenders
Lender Diversity
3 lenders
Avg 1.3 loans per lender
Investment Tier
Mid range investment
$178,300 to $250,500 total
Chocolate, Chocolate, Chocolat: 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
2008
2 approvals. The best year on record for Chocolate, Chocolate, Chocolat.
Top SBA State
Missouri
2 SBA financed Chocolate, Chocolate, Chocolat locations, the densest operator footprint.
Average Loan Size
$237K
Median $88K. Use as a sizing anchor when modeling your own Chocolate, Chocolate, Chocolat unit.
Lender Concentration
100%
Concentrated
Share of Chocolate, Chocolate, Chocolat approvals captured by the top 3 SBA lenders.
Chocolate, Chocolate, Chocolat's SBA lending pipeline peaked in 2008 (2 approvals). Operator density is highest in Missouri with 2 SBA financed locations. Average funded ticket sits at $237K, with the median at $88K. Lender mix is concentrated: the top three SBA lenders account for 100% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,846
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
Chocolate, Chocolate, Chocolat, 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