Cindy's Cinnamon Rolls
The total investment to open a Cindy's Cinnamon Rolls franchise ranges from $76,000 to $189,400. The initial franchise fee is $25,000. Ongoing royalties are 5%.
What is the Cindy's Cinnamon Rolls franchise?
Cindy's Cinnamon Rolls is a baked goods business that sells cinnamon rolls to customers. The estimated total initial investment is $76,000 to $189,400, and the initial franchise fee is $25,000.
The royalty is 5 percent of sales. The franchise agreement term is 10 years.
The company is headquartered in Rochester, New York, and was founded in 1985.
Loan Activity Score
30/100
SBA Default Rate
35.3%
Active Lenders
12
According to its Franchise Disclosure Document or public business records, Cindy's Cinnamon Rolls has 12 locations, all owned by franchisees. Public SBA loan records show 12 lenders made 17 loans to franchisees of Cindy's Cinnamon Rolls. PeerSense calculates Cindy's Cinnamon Rolls's score as 30 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1985 · 12 locations
$76,000 to $189,400
$25,000
12
12 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Cindy's Cinnamon Rolls
17
Total SBA loans
$117K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Cindy's Cinnamon Rolls
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
35.3%
vs 9.4% peer avg
SBA Loans
17
Total Volume
$2.0M
Active Lenders
12
States
9
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 Cindy's Cinnamon Rolls based on SBA lending data
SBA Default Rate
35.3%
25.9% above peer avg
SBA Loan Volume
17 loans
Across 12 lenders
Lender Diversity
12 lenders
Avg 1.4 loans per lender
Investment Tier
Mid range investment
$76,000 to $189,400 total
Cindy's Cinnamon Rolls: 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
5 approvals. The best year on record for Cindy's Cinnamon Rolls.
Top SBA State
New York
7 SBA financed Cindy's Cinnamon Rolls locations, the densest operator footprint.
Average Loan Size
$117K
Median $100K. Use as a sizing anchor when modeling your own Cindy's Cinnamon Rolls unit.
Lender Concentration
41.2%
Concentrated
Share of Cindy's Cinnamon Rolls approvals captured by the top 3 SBA lenders.
Cindy's Cinnamon Rolls's SBA lending pipeline peaked in 1997 (5 approvals). Operator density is highest in New York with 7 SBA financed locations. Average funded ticket sits at $117K, with the median at $100K. Lender mix is concentrated: the top three SBA lenders account for 41.2% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$787
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
Cindy's Cinnamon Rolls, 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