Cold Stone Creamery Billings
Cold Stone Creamery Billings is a franchise located in Billings, Montana, operating in the snack and nonalcoholic beverage bars industry. The business was financed with an SBA 7(a) loan for a change of ownership of $605,000, approved on January 16, 2026, by First Bank of the Lake.
SBA 7(a) loan, change of ownership, approved Jan 16, 2026
$605,000 approvedLender: First Bank of the Lake10 years termStatus not reported (SBA exemption)Loan details
- Gross approval
- $605,000
- SBA-guaranteed amount
- $453,750 (75% of the approval)
- Lender
- First Bank of the Lake, Osage Beach, MO
- Processing method
- Preferred Lender Program: lender approved under delegated SBA authority
- Initial interest rate
- 8.75%, variable
- Term
- 10 years (120 months)
- Estimated maturity
- January 16, 2036 (estimated, approval date plus term)
- Estimated monthly payment
- $7,582 Estimated payment at the initial rate over the full term; actual terms vary.
- First disbursement
- Feb 19, 2026
- Loan status
- Status not reported (SBA exemption)
- Jobs supported
- 93
- Business type
- Corporation
- NAICS
- 722515, Snack and Nonalcoholic Beverage Bars
- Franchise
- Cold Stone Creamery
- Project location
- Yellowstone County, MT
- SBA district office
- Montana District Office
- Congressional district
- MT-00
- Collateral
- Yes
- Guaranteed portion sold on secondary market
- Yes
- Revolving line of credit
- No (term loan)
- Larger than 25% of acquisition loans in Snack and Nonalcoholic Beverage Bars on this site.
- Average acquisition loan in Snack and Nonalcoholic Beverage Bars: $1,080,276.
- Average acquisition loan in Montana: $1,680,827.
Loan amounts are the SBA approval, not a purchase price. Figures labeled estimated are derived on this site and are not published by the SBA.
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Same industry in Montana
- Four Little Treasures, LLC, Bozeman