Einstien Bros Bagels
The total investment to open a Einstien Bros Bagels franchise ranges from $154,000 to $832,000. The initial franchise fee is $35,000. Ongoing royalties are 4%.
What is the Einstien Bros Bagels franchise?
Einstien Bros Bagels is a restaurant business that sells bagels and other food to customers. The estimated initial investment is $154,000 to $832,000. The initial franchise fee is $35,000.
The royalty is 4 percent of sales. The brand was founded in 1989 and is headquartered in Bellaire, TX.
Loan Activity Score
42/100
SBA Default Rate
0.0%
Active Lenders
5
According to its Franchise Disclosure Document or public business records, Einstien Bros Bagels has 6 locations, all owned by franchisees. Public SBA loan records show 5 lenders made 7 loans to franchisees of Einstien Bros Bagels. PeerSense calculates Einstien Bros Bagels's score as 42 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1989 · 6 locations
$154,000 to $832,000
$35,000
6
6 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Einstien Bros Bagels
7
Total SBA loans
$477K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Einstien Bros Bagels
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 10.3% peer avg
SBA Loans
7
Total Volume
$3.3M
Active Lenders
5
States
4
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 Einstien Bros Bagels based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
7 loans
Across 5 lenders
Lender Diversity
5 lenders
Avg 1.4 loans per lender
Investment Tier
Significant investment
$154,000 to $832,000 total
Einstien Bros Bagels: 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
2011
2 approvals. The best year on record for Einstien Bros Bagels.
Top SBA State
Texas
3 SBA financed Einstien Bros Bagels locations, the densest operator footprint.
Average Loan Size
$477K
Median $454K. Use as a sizing anchor when modeling your own Einstien Bros Bagels unit.
Lender Concentration
71.4%
Concentrated
Share of Einstien Bros Bagels approvals captured by the top 3 SBA lenders.
Einstien Bros Bagels's SBA lending pipeline peaked in 2011 (2 approvals). Operator density is highest in Texas with 3 SBA financed locations. Average funded ticket sits at $477K, with the median at $454K. Lender mix is concentrated: the top three SBA lenders account for 71.4% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,594
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
Einstien Bros Bagels, 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; it does not lend, fund, or approve loans, and 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