House of Bread
The initial franchise fee is $35,000.
What is the House of Bread franchise?
House of Bread is a commercial bakery business that makes and sells bread and other baked goods. Its initial franchise fee is $35,000.
The business also offers cafe food to customers.
Loan Activity Score
60/100
SBA Default Rate
0.0%
Active Lenders
3
According to its Franchise Disclosure Document or public business records, House of Bread has 4 locations, all owned by franchisees. Public SBA loan records show 3 lenders made 5 loans to franchisees of House of Bread. PeerSense calculates House of Bread's score as 60 out of 100, using public SBA loan performance and recent lending activity.
4 locations
$35,000
4
4 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for House of Bread
5
Total SBA loans
$307K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for House of Bread
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 9.4% peer avg
SBA Loans
5
Total Volume
$1.5M
Active Lenders
3
1 selective
States
3
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 House of Bread based on SBA lending data
SBA Default Rate
0.0%
9.4% below peer avg
SBA Loan Volume
5 loans
Across 3 lenders
Lender Diversity
3 lenders
Avg 1.7 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
House of Bread, 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; 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