Gigi's Cupcakes
The total investment to open a Gigi's Cupcakes franchise ranges from $57,000 to $293,300. The initial franchise fee is $31,750.
What is the Gigi's Cupcakes franchise?
Gigi's Cupcakes makes and sells cupcakes, cakes, pies and other pastries. The estimated total initial investment is $57,000 to $293,300, and the initial franchise fee is $31,750.
The company is headquartered in Carmel, Indiana.
Loan Activity Score
25/100
SBA Default Rate
28.6%
Active Lenders
10
According to its Franchise Disclosure Document or public business records, Gigi's Cupcakes has 28 locations, all owned by franchisees. Public SBA loan records show 10 lenders made 21 loans to franchisees of Gigi's Cupcakes. PeerSense calculates Gigi's Cupcakes's score as 25 out of 100, using public SBA loan performance and recent lending activity.
28 locations
$57,000 to $293,300
$31,750
28
28 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Gigi's Cupcakes
21
Total SBA loans
$197K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Gigi's Cupcakes
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
28.6%
vs 10.3% peer avg
SBA Loans
21
Total Volume
$4.1M
Active Lenders
10
5 selective
States
11
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 Gigi's Cupcakes based on SBA lending data
SBA Default Rate
28.6%
18.3% above peer avg
SBA Loan Volume
21 loans
Across 10 lenders
Lender Diversity
10 lenders
Avg 2.1 loans per lender
Investment Tier
Mid range investment
$57,000 to $293,300 total
Gigi's Cupcakes: 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
2016
8 approvals. The best year on record for Gigi's Cupcakes.
Top SBA State
Texas
8 SBA financed Gigi's Cupcakes locations, the densest operator footprint.
Average Loan Size
$218K
Median $240K. Use as a sizing anchor when modeling your own Gigi's Cupcakes unit.
Lender Concentration
56.4%
Concentrated
Share of Gigi's Cupcakes approvals captured by the top 3 SBA lenders.
Gigi's Cupcakes's SBA lending pipeline peaked in 2016 (8 approvals). The last five fiscal years account for 5% of cumulative volume ($315K approved). Operator density is highest in Texas with 8 SBA financed locations. Average funded ticket sits at $218K, with the median at $240K. Lender mix is concentrated: the top three SBA lenders account for 56.4% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$590
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
Gigi's Cupcakes, unit breakdown
Explore Funding for Gigi's Cupcakes
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 InstantlyPage 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