Pepperidge Farms
The total investment to open a Pepperidge Farms franchise ranges from $20,000 to $83,800.
What is the Pepperidge Farms franchise?
Pepperidge Farms is a wholesale business that supplies baked goods and other grocery products to retailers. The estimated total initial investment to open is $20,000 to $83,800.
The brand was founded in 1937 and is headquartered in BEDFORD (TOWN OF), MA.
Loan Activity Score
31/100
SBA Default Rate
11.1%
Active Lenders
7
According to its Franchise Disclosure Document or public business records, Pepperidge Farms has 8 locations, all owned by franchisees. Public SBA loan records show 7 lenders made 9 loans to franchisees of Pepperidge Farms. PeerSense calculates Pepperidge Farms's score as 31 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1937 · 8 locations
$20,000 to $83,800
8
8 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Pepperidge Farms
9
Total SBA loans
$50K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Pepperidge Farms
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
11.1%
vs 9.9% peer avg
SBA Loans
9
Total Volume
$0.4M
Active Lenders
7
1 selective
States
5
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 Pepperidge Farms based on SBA lending data
SBA Default Rate
11.1%
1.2% above peer avg
SBA Loan Volume
9 loans
Across 7 lenders
Lender Diversity
7 lenders
Avg 1.3 loans per lender
Investment Tier
Low cost entry
$20,000 to $83,800 total
Pepperidge Farms: 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
2004
2 approvals. The best year on record for Pepperidge Farms.
Top SBA State
Massachusetts
4 SBA financed Pepperidge Farms locations, the densest operator footprint.
Average Loan Size
$50K
Median $35K. Use as a sizing anchor when modeling your own Pepperidge Farms unit.
Lender Concentration
55.6%
Concentrated
Share of Pepperidge Farms approvals captured by the top 3 SBA lenders.
Pepperidge Farms's SBA lending pipeline peaked in 2004 (2 approvals). Operator density is highest in Massachusetts with 4 SBA financed locations. Average funded ticket sits at $50K, with the median at $35K. Lender mix is concentrated: the top three SBA lenders account for 55.6% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$207
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
Pepperidge Farms, 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