GIGI'S CUPCAKES: how its 34 SBA loans actually performed
Retail Bakeries · 34 units financed with SBA 7(a) loans since 2010 · 15 lenders have funded this brand.
4 of 28 owners defaulted on their SBA loan
That is 14.3% — roughly 3 times the 5.7% average across all SBA 7(a) loans. It does not make this a bad business. It makes it an expensive one to finance.
How this brand compares
share of owners who defaulted within seven yearsWho lends on it
most active lenders, 2010 onward| Lender | Units funded |
|---|---|
| Simmons Bank | 12 |
| First Merchants Bank | 4 |
| KeyBank National Association | 3 |
| The First Bank and Trust Company | 2 |
| Telhio Credit Union Inc | 2 |
| Summit CU | 2 |
15 lenders have funded GIGI'S CUPCAKES since 2010. Fewer active lenders means less competition on your rate.
A note on sample size
GIGI'S CUPCAKES is a smaller-sample brand: 28 of its SBA loans are old enough to judge (our flagship brands have 60+). The default rate above is a real count, but read it as a signal rather than a verdict — with 28 loans, a handful of outcomes moves the number. We omit the year-by-year breakdowns shown on larger brands, which would be noisy at this size.
Common questions
How many GIGI'S CUPCAKES SBA loans have defaulted?
4 of 28 seasoned GIGI'S CUPCAKES SBA 7(a) loans charged off within seven years — a 14.3% default rate, against 5.7% across all SBA 7(a) loans.
Is a GIGI'S CUPCAKES franchise a safe SBA loan bet?
By the numbers its default rate is above the SBA-wide 5.7% average. That is a financing signal, not a verdict on the business — and with 28 loans it is a smaller sample than our flagship brands.
Which lenders fund GIGI'S CUPCAKES franchises?
15 lenders have made SBA loans to GIGI'S CUPCAKES since 2010, led by Simmons Bank.