Manhattan Bagel Company
The initial franchise fee is $25,000. Ongoing royalties are 5%.
What is the Manhattan Bagel Company franchise?
Manhattan Bagel Company is a bagel shop serving customers breakfast and lunch foods. It was founded in 1987.
The initial franchise fee is $25,000, and the royalty is 5 percent of sales.
The liquid capital requirement is $225,000, and the net worth requirement is $450,000. The company is headquartered in Lakewood, CO.
Loan Activity Score
32/100
SBA Default Rate
16.4%
Active Lenders
38
According to its Franchise Disclosure Document or public business records, Manhattan Bagel Company has 116 locations, all owned by franchisees. Public SBA loan records show 38 lenders made 122 loans to franchisees of Manhattan Bagel Company. PeerSense calculates Manhattan Bagel Company's score as 32 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1987 · 116 locations
$25,000
116
116 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Manhattan Bagel Company
122
Total SBA loans
$157K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Manhattan Bagel Company
Loan Activity Score Breakdown
Major Brand (100+ 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
16.4%
vs 10.3% peer avg
SBA Loans
122
Total Volume
$19.2M
Active Lenders
38
6 selective
States
16
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 Manhattan Bagel Company based on SBA lending data
SBA Default Rate
16.4%
6.1% above peer avg
SBA Loan Volume
122 loans
Across 38 lenders
Lender Diversity
38 lenders
Avg 3.2 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
Manhattan Bagel Company, 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