Wheat Montana Bakery & Deli
The total investment to open a Wheat Montana Bakery & Deli franchise ranges from $148,500 to $334,000.
What is the Wheat Montana Bakery & Deli franchise?
Wheat Montana Bakery & Deli is a bakery and deli selling baked goods and deli food to customers. The estimated total initial investment is $148,500 to $334,000.
The business was founded in 1993 and is headquartered in BILLINGS, MT.
Loan Activity Score
40/100
SBA Default Rate
0.0%
Active Lenders
6
According to its Franchise Disclosure Document or public business records, Wheat Montana Bakery & Deli has 5 locations, all owned by franchisees. Public SBA loan records show 6 lenders made 6 loans to franchisees of Wheat Montana Bakery & Deli. PeerSense calculates Wheat Montana Bakery & Deli's score as 40 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1993 · 5 locations
$148,500 to $334,000
5
5 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Wheat Montana Bakery & Deli
6
Total SBA loans
$246K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Wheat Montana Bakery & Deli
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 10.3% peer avg
SBA Loans
6
Total Volume
$1.5M
Active Lenders
6
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 Wheat Montana Bakery & Deli based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
6 loans
Across 6 lenders
Lender Diversity
6 lenders
Avg 1.0 loans per lender
Investment Tier
Mid range investment
$148,500 to $334,000 total
Wheat Montana Bakery & Deli: 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
2003
3 approvals. The best year on record for Wheat Montana Bakery & Deli.
Top SBA State
Montana
6 SBA financed Wheat Montana Bakery & Deli locations, the densest operator footprint.
Average Loan Size
$246K
Median $256K. Use as a sizing anchor when modeling your own Wheat Montana Bakery & Deli unit.
Lender Concentration
50%
Concentrated
Share of Wheat Montana Bakery & Deli approvals captured by the top 3 SBA lenders.
Wheat Montana Bakery & Deli's SBA lending pipeline peaked in 2003 (3 approvals). Operator density is highest in Montana with 6 SBA financed locations. Average funded ticket sits at $246K, with the median at $256K. Lender mix is concentrated: the top three SBA lenders account for 50% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,537
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
Wheat Montana Bakery & Deli, 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