GOLDEN KRUST PATTIES
The total investment to open a GOLDEN KRUST PATTIES franchise ranges from $75,000 to $177,600. The initial franchise fee is $50,000.
What is the GOLDEN KRUST PATTIES franchise?
GOLDEN KRUST PATTIES is a restaurant business that sells Jamaican patties to customers. The estimated total initial investment is $75,000 to $177,600, and the initial franchise fee is $50,000.
The company is headquartered in Brooklyn, New York, and was founded in 2018.
Loan Activity Score
15/100
SBA Default Rate
37.5%
Active Lenders
4
According to its Franchise Disclosure Document or public business records, GOLDEN KRUST PATTIES has 5 locations, all owned by franchisees. Public SBA loan records show 4 lenders made 8 loans to franchisees of GOLDEN KRUST PATTIES. PeerSense calculates GOLDEN KRUST PATTIES's score as 15 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2018 · 5 locations
$75,000 to $177,600
$50,000
5
5 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for GOLDEN KRUST PATTIES
8
Total SBA loans
$137K
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 PATTIES
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
37.5%
vs 10.3% peer avg
SBA Loans
8
Total Volume
$1.1M
Active Lenders
4
States
1
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 PATTIES based on SBA lending data
SBA Default Rate
37.5%
27.2% above peer avg
SBA Loan Volume
8 loans
Across 4 lenders
Lender Diversity
4 lenders
Avg 2.0 loans per lender
Investment Tier
Mid range investment
$75,000 to $177,600 total
GOLDEN KRUST PATTIES: 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
2007
3 approvals. The best year on record for GOLDEN KRUST PATTIES.
Top SBA State
New York
8 SBA financed GOLDEN KRUST PATTIES locations, the densest operator footprint.
Average Loan Size
$137K
Median $150K. Use as a sizing anchor when modeling your own GOLDEN KRUST PATTIES unit.
Lender Concentration
87.5%
Concentrated
Share of GOLDEN KRUST PATTIES approvals captured by the top 3 SBA lenders.
GOLDEN KRUST PATTIES's SBA lending pipeline peaked in 2007 (3 approvals). Operator density is highest in New York with 8 SBA financed locations. Average funded ticket sits at $137K, with the median at $150K. Lender mix is concentrated: the top three SBA lenders account for 87.5% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$776
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 PATTIES, 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