Cookie Advantage
The total investment to open a Cookie Advantage franchise ranges from $92,550 to $92,550. The initial franchise fee is $34,900. Ongoing royalties are 6% plus a 1.5% advertising fee.
What is the Cookie Advantage franchise?
Cookie Advantage makes cookies for businesses to give to their clients. Estimated total initial investment is $92,550; the initial franchise fee is $34,900.
The royalty is 6 percent of sales, and the advertising or brand fund fee is 1.5 percent. The franchise agreement term is 5 years.
Founded in 1998, Cookie Advantage began franchising in 2002. Its headquarters are in Bixby, Oklahoma. Cost and fee figures are from the 2026 Franchise Disclosure Document.
Loan Activity Score
52/100
SBA Default Rate
0.0%
Active Lenders
2
Franchisees account for 17 of Cookie Advantage's 23 locations. Public SBA loan records show 2 lenders made 3 loans to franchisees of Cookie Advantage. PeerSense calculates Cookie Advantage's score as 52 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2025 Franchise Disclosure Document. To correct a figure, email the current FDD and the differing item numbers to info@peersense.com, and this page will be updated.
Franchising since 1998 · 23 locations
$92,550 to $92,550
$34,900
23
17 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Cookie Advantage
3
Total SBA loans
$167K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Cookie Advantage
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
0.0%
vs 9.5% peer avg
SBA Loans
3
Total Volume
$0.5M
Active Lenders
2
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 Cookie Advantage based on SBA lending data
SBA Default Rate
0.0%
9.5% below peer avg
SBA Loan Volume
3 loans
Across 2 lenders
Lender Diversity
2 lenders
Avg 1.5 loans per lender
Investment Tier
Low cost entry
$92,550 to $92,550 total
Cookie Advantage: 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
2019
2 approvals. The best year on record for Cookie Advantage.
Top SBA State
Oklahoma
3 SBA financed Cookie Advantage locations, the densest operator footprint.
Average Loan Size
$129K
Median $100K. Use as a sizing anchor when modeling your own Cookie Advantage unit.
Lender Concentration
85.7%
Concentrated
Share of Cookie Advantage approvals captured by the top 3 SBA lenders.
Cookie Advantage's SBA lending pipeline peaked in 2019 (2 approvals). The last five fiscal years account for 33% of cumulative volume ($25K approved). Operator density is highest in Oklahoma with 3 SBA financed locations. Average funded ticket sits at $129K, with the median at $100K. Lender mix is concentrated: the top three SBA lenders account for 85.7% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$958
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
Cookie Advantage, unit breakdown
Explore Funding for Cookie Advantage
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 Instantly5 FDDs Available for Cookie Advantage
Review franchise fees, investment ranges, royalties, Item 19 financial data, and year over year trends. Request complimentary access through your PeerSense funding advisor.
Page 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