New York Bagel Shop & Delicate
The total investment to open a New York Bagel Shop & Delicate franchise ranges from $67,500 to $212,500. The initial franchise fee is $75,000.
What is the New York Bagel Shop & Delicate franchise?
New York Bagel Shop & Delicate is a quick service restaurant selling bagels and deli food to people looking for a meal. The estimated total initial investment is $67,500 to $212,500, and the initial franchise fee is $75,000.
The brand is headquartered in Hurst, Texas.
Loan Activity Score
28/100
SBA Default Rate
42.3%
Active Lenders
5
According to its Franchise Disclosure Document or public business records, New York Bagel Shop & Delicate has 13 locations, all owned by franchisees. Public SBA loan records show 5 lenders made 26 loans to franchisees of New York Bagel Shop & Delicate. PeerSense calculates New York Bagel Shop & Delicate's score as 28 out of 100, using public SBA loan performance and recent lending activity.
13 locations
$67,500 to $212,500
$75,000
13
13 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for New York Bagel Shop & Delicate
26
Total SBA loans
$139K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for New York Bagel Shop & Delicate
Loan Activity Score Breakdown
Established (25 to 99 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
42.3%
vs 10.3% peer avg
SBA Loans
26
Total Volume
$3.6M
Active Lenders
5
States
13
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 New York Bagel Shop & Delicate based on SBA lending data
SBA Default Rate
42.3%
32.0% above peer avg
SBA Loan Volume
26 loans
Across 5 lenders
Lender Diversity
5 lenders
Avg 5.2 loans per lender
Investment Tier
Mid range investment
$67,500 to $212,500 total
New York Bagel Shop & Delicate: 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
1995
12 approvals. The best year on record for New York Bagel Shop & Delicate.
Top SBA State
Texas
11 SBA financed New York Bagel Shop & Delicate locations, the densest operator footprint.
Average Loan Size
$139K
Median $145K. Use as a sizing anchor when modeling your own New York Bagel Shop & Delicate unit.
Lender Concentration
92.3%
Concentrated
Share of New York Bagel Shop & Delicate approvals captured by the top 3 SBA lenders.
New York Bagel Shop & Delicate's SBA lending pipeline peaked in 1995 (12 approvals). Operator density is highest in Texas with 11 SBA financed locations. Average funded ticket sits at $139K, with the median at $145K. Lender mix is concentrated: the top three SBA lenders account for 92.3% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$699
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
New York Bagel Shop & Delicate, 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
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