ROCKY MOUNTAIN CHOCOLATE FACTORY: how its 37 SBA loans actually performed
Confectionery and Nut Stores · 37 units financed with SBA 7(a) loans since 2010 · 20 lenders have funded this brand.
Defaults run above the SBA-wide average
2 of 24 seasoned units charged off — 8.3%, against 5.7% across all SBA 7(a) loans.
How this brand compares
share of owners who defaulted within seven yearsWho lends on it
most active lenders, 2010 onward| Lender | Units funded |
|---|---|
| Wells Fargo Bank National Association | 6 |
| The Huntington National Bank | 6 |
| Zions Bank, A Division of | 4 |
| U.S. Bank, National Association | 4 |
| Celtic Bank Corporation | 2 |
| PNC Bank, National Association | 1 |
20 lenders have funded ROCKY MOUNTAIN CHOCOLATE FACTORY since 2010. Fewer active lenders means less competition on your rate.
A note on sample size
ROCKY MOUNTAIN CHOCOLATE FACTORY is a smaller-sample brand: 24 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 24 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 ROCKY MOUNTAIN CHOCOLATE FACTORY SBA loans have defaulted?
2 of 24 seasoned ROCKY MOUNTAIN CHOCOLATE FACTORY SBA 7(a) loans charged off within seven years — a 8.3% default rate, against 5.7% across all SBA 7(a) loans.
Is a ROCKY MOUNTAIN CHOCOLATE FACTORY 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 24 loans it is a smaller sample than our flagship brands.
Which lenders fund ROCKY MOUNTAIN CHOCOLATE FACTORY franchises?
20 lenders have made SBA loans to ROCKY MOUNTAIN CHOCOLATE FACTORY since 2010, led by Wells Fargo Bank National Association.