C.r.e.a.m Custom Ice Cream San
The total investment to open a C.r.e.a.m Custom Ice Cream San franchise ranges from $137,860 to $3.2M. The initial franchise fee is $30,000. Ongoing royalties are 6% plus a 2% advertising fee.
What is the C.r.e.a.m Custom Ice Cream San franchise?
C.r.e.a.m Custom Ice Cream San sells customizable ice cream desserts to customers. The estimated total initial investment is $137,860 to $3,213,753, and the initial franchise fee is $30,000.
The royalty is 6 percent of sales, and the advertising or brand fund fee is 2 percent. Its franchise agreement lasts 10 years.
The company is headquartered in Millbrae, California. It was founded in 2010.
Loan Activity Score
39/100
SBA Default Rate
50.0%
Active Lenders
2
According to its Franchise Disclosure Document or public business records, C.r.e.a.m Custom Ice Cream San has 1 location, all owned by franchisees. Public SBA loan records show 2 lenders made 2 loans to franchisees of C.r.e.a.m Custom Ice Cream San. PeerSense calculates C.r.e.a.m Custom Ice Cream San's score as 39 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2010 · 1 location
$137,860 to $3.2M
$30,000
1
1 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for C.r.e.a.m Custom Ice Cream San
2
Total SBA loans
$378K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for C.r.e.a.m Custom Ice Cream San
Loan Activity Score Breakdown
New or niche (1 to 2 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
50.0%
vs 10.3% peer avg
SBA Loans
2
Total Volume
$0.8M
Active Lenders
2
1 selective
States
2
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 C.r.e.a.m Custom Ice Cream San based on SBA lending data
SBA Default Rate
50.0%
39.7% above peer avg
SBA Loan Volume
2 loans
Across 2 lenders
Lender Diversity
2 lenders
Avg 1.0 loans per lender
Investment Tier
Premium investment
$137,860 to $3,213,753 total
C.r.e.a.m Custom Ice Cream San: 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
2018
1 approval. The best year on record for C.r.e.a.m Custom Ice Cream San.
Top SBA State
California
1 SBA financed C.r.e.a.m Custom Ice Cream San locations, the densest operator footprint.
Average Loan Size
$378K
Median $378K. Use as a sizing anchor when modeling your own C.r.e.a.m Custom Ice Cream San unit.
Lender Concentration
100%
Concentrated
Share of C.r.e.a.m Custom Ice Cream San approvals captured by the top 3 SBA lenders.
C.r.e.a.m Custom Ice Cream San's SBA lending pipeline peaked in 2018 (1 approval). Operator density is highest in California with 1 SBA financed locations. Average funded ticket sits at $378K, with the median at $378K. 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
$1,427
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
C.r.e.a.m Custom Ice Cream San, 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