Golden Krust
According to its Franchise Disclosure Document or public business records, Golden Krust has 18 locations, all owned by franchisees. Public SBA loan records show 14 lenders made 20 loans to franchisees of Golden Krust. PeerSense calculates Golden Krust's score as 46 out of 100, using public SBA loan performance and recent lending activity.
What is the Golden Krust franchise?
Golden Krust is a restaurant business that sells Jamaican patties and other Caribbean food. Its customers include people looking for a convenient meal.
The menu includes Caribbean dishes and baked goods.
Loan Activity Score
46/100
SBA Default Rate
0.0%
Active Lenders
14
18 locations
18
18 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Golden Krust
20
Total SBA loans
$263K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Golden Krust
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
0.0%
vs 10.3% peer avg
SBA Loans
20
Total Volume
$5.3M
Active Lenders
14
1 selective
States
6
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 Golden Krust based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
20 loans
Across 14 lenders
Lender Diversity
14 lenders
Avg 1.4 loans per lender
Payment Estimator
Estimated Monthly Payment
$5,176
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
Golden Krust, 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