Citizens Bank Crumbl Cookies SBA Loans in Washington — 3 Funded
Washington loan data 2020–2021 · Updated May 2026
Citizens Bank has funded 3 SBA loans to Crumbl Cookies franchisees in Washington, totaling $1.2M in approved financing across 3 cities and 2 congressional districts.
The average Crumbl Cookies loan in Washington from Citizens Bank is $406K at a 5.63% average interest rate, with terms averaging 122 months. The Washington default rate is 0% based on 1 resolved loans. Washington represents 23.1% of Citizens Bank's total Crumbl Cookies lending nationally. These loans collectively support 123 Washington jobs. SBA-guaranteed portion totals $1.1M (85% of approved volume).
How Washington Compares to Citizens Bank's National Crumbl Cookies Lending
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Citizens Bank is one of 3+ lenders who have funded Crumbl Cookies in Washington. We can help you compare options and connect with lenders experienced in this brand and state — no retainers, referral fee at closing.
Citizens Bank Crumbl Cookies Loan Performance in Washington
Based on 3 SBA loans originated by Citizens Bank for Crumbl Cookies franchisees with Washington addresses, the Washington-specific lending relationship spans 2020–2021. Of 1 resolved Washington loans, 1 were paid in full and 0 resulted in chargeoffs.
The Washington loan size range extends from $300K to $568K, indicating Citizens Bank funds both smaller single-unit Crumbl Cookies operations and larger multi-unit or renovation projects in Washington. Each loan supports an average of 41 jobs in the local economy, and the portfolio collectively supports 123 Washington jobs. Most Washington Crumbl Cookies loans from Citizens Bank are classified under "Retail Bakeries" (NAICS).
Recent activity: Citizens Bank has originated 0 Crumbl Cookies Washington loans in the last 2 fiscal years and 3 since fiscal year 2020. The most recent Crumbl Cookies Washington approval recorded is from FY2021. Note: lack of recent activity may indicate Citizens Bank has paused, slowed, or exited Crumbl Cookies Washington lending — borrowers should verify current appetite directly.
SBA guarantee profile: The SBA-guaranteed portion of Citizens Bank's Crumbl Cookies Washington loans averages 85% of approved volume, totaling $1.1M in federally-backed exposure. 7(a) loans typically carry a 75-85% guarantee, so a higher percentage suggests a smaller-loan/SBA Express mix; lower suggests larger PLP deals where the lender retains more risk.
The 0% Washington default rate is a strong indicator of loan quality. This suggestsCitizens Bank has effective underwriting standards for Crumbl Cookies deals in Washington and/or Washington Crumbl Cookies franchisees have strong unit economics that support debt service. For prospective Washington borrowers, this is an encouraging signal — Citizens Bankunderstands the Crumbl Cookies business model in this market and has a track record of successful outcomes here.
SBA Programs Used for Crumbl Cookies Loans in Washington
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 3 | $406K | 5.63% | 122 mo |
Crumbl Cookies Loan Size Distribution from Citizens Bank in Washington
How Citizens Bank's Crumbl Cookies Washington loan sizes break down by deal size. Useful for sizing your own deal: where do most Washington Crumbl Cookies approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Washington Loans |
|---|---|---|---|
| $150K-$350K | 2 | $325K | 67% |
| $350K-$750K | 1 | $568K | 33% |
How Citizens Bank Originates Crumbl Cookies Loans in Washington
SBA delivery method matters: Preferred Lenders Program (PLP) closes 2-3 weeks faster than General Processing because the lender holds full credit authority. Citizens Bank uses 1 different Washington delivery methods for Crumbl Cookies:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| Preferred Lenders Program | 3 | $406K |
Where in Washington Citizens Bank Funds Crumbl Cookies Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Gig Harbor | 1 | $568K | $568K | 0% — Low Risk |
| Bonney Lake | 1 | $350K | $350K | N/A |
| Puyallup | 1 | $300K | $300K | N/A |
Citizens Bank's strongest Crumbl Cookies lending presence in Washington is concentrated in Gig Harbor (1 loans), Bonney Lake (1 loans), Puyallup (1 loans).
Citizens Bank Crumbl Cookies Lending in Washington Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2021 | 2 | $459K | $918K | 5.56% |
| 2020 | 1 | $300K | $300K | 5.75% |
Other Lenders That Fund Crumbl Cookies in Washington
Citizens Bank is not the only lender funding Crumbl Cookies in Washington. Compare 2 other banks who have originated Crumbl Cookies SBA loans to Washington borrowers.
| Lender | Washington Loans | Avg Size | Default Rate |
|---|---|---|---|
| Citizens Bank (this page) | 3 | $406K | 0% — Low Risk |
| Cache Valley Bank | 3 | $333K | 0% — Low Risk |
| Numerica CU | 2 | $448K | N/A |
Other Franchises Citizens Bank Funds in Washington
Citizens Bank is active in Washington franchise lending beyond Crumbl Cookies. Other Washington franchise brands they have funded:
How to Get an SBA Loan for a Crumbl Cookies Franchise in Washington
If you're considering a Crumbl Cookies franchise in Washington and want to finance through Citizens Bank or another SBA lender, here's what you need to know based on our analysis of 3 historical Washington loans.
Verify Your Qualifications
Most SBA franchise loans require a 680+ credit score, 20-30% down payment, and relevant industry or management experience.Crumbl Cookies's franchise fee and total investment determine minimum capital requirements.
Compare Washington Lenders
3 lenders have funded Crumbl Cookies in Washington. Lenders with more local Crumbl Cookies experience typically close faster because they understand both the brand and the local market. Compare rates, default rates, and city coverage above.
Get Pre-Qualified
PeerSense matches Washington borrowers with lenders who have a proven track record funding Crumbl Cookies in your state. No retainers — our referral fee is paid at closing. Get matched in 24 hours.
Expected loan terms based on Washington historical data: The average Crumbl Cookies SBA loan from Citizens Bank in Washington is $406K with a 5.63% interest rate and a 122-month term.Washington loan amounts range from $300K to $568K.
Ready to Fund Your Crumbl Cookies Franchise in Washington?
We connect you with lenders who have already funded Crumbl Cookies in Washington — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.