How many BIG APPLE BAGELS franchise locations are there?

As of the 2026 FDD, BIG APPLE BAGELS has 48 franchise locations. The company has been franchising since 1993.

Can you get an SBA loan for a BIG APPLE BAGELS franchise?

Yes, SBA loans are available for BIG APPLE BAGELS franchises. Historical data shows 10 SBA 7(a) loans have been approved for BIG APPLE BAGELS franchisees, with an average loan amount of $98,400. The historical default rate is 20.0%.

Is BIG APPLE BAGELS a good franchise to buy?

Whether BIG APPLE BAGELS is a good franchise investment depends on your personal goals, available capital, and local market conditions. We recommend reviewing the full FDD, speaking with existing franchisees listed in Item 20, and consulting with a franchise attorney before making a decision.

BIG APPLE BAGELS

FDD Year:

BAB Systems, Inc. offers franchises for Big Apple Bagels stores, where franchisees own and operate bagel shops selling fresh bagels, cream cheese spreads, My Favorite Muffin branded muffins, Brewster’s coffee, breakfast and lunch sandwiches, and soft drinks through retail, wholesale, and catering channels. The business model centers on production stores for baking and satellite stores supplied by them, with franchise fees, royalties, and required purchases from approved suppliers. It targets retail consumers in the competitive bagel, bakery cafe, and coffee market.

Locations

$513K–$745K

Investment

Since 1993

Franchising

Food & BeverageDeerfield, ILBAB, Inc.www.bigapplebagelsfranchising.comDisclaimer

Franchise Costs

Franchise Fee

$25,000

Item 5 of FDD

Initial Investment Range

$512,500 – $745,000

Low: $512,500High: $745,000

Item 7 of FDD

Royalty Rate

5.00%

of gross sales

Brand Fund

3.00%

Item 6 of FDD

5% royalty + 3% marketing fund

How BIG APPLE BAGELS Compares

Key Insights

Lower than average SBA loan default rate in Fast Food

Franchise	Investment	Fee	Royalty	Locations
BIG APPLE BAGELS Current	$513K – $745K	$25K	5.0%	48
MCDONALD'S	$1.5M – $2.6M	$45K	N/A	12,772
AFC	$45K – $151K	$6K	9.5%	3,572
SONIC DRIVE-IN	$1.7M – $3.1M	$15K	5.0%	3,441
JIMMY JOHN'S	$366K – $728K	$35K	6.0%	2,647
ARBY'S	$645K – $2.5M	$38K	4.0%	2,316
Fast Food Average 126 franchises	$594K – $1.5M	$35K	6.1%	–

* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 126 Fast Food franchises by location count.

Locations & Growth

Outlet Growth Over Time

Total outlets at end of each year

Geographic Distribution (2025)

Outlets by state across the United States

Top States

1MI

2WI

3CA

4IL

5IN

6NE

7MN

8IA

9PA

10SC

11FL

12OH

13NV

14WY

15WA

SBA Loan History

Historical SBA 7(a) loan data for BIG APPLE BAGELS franchisees (2010 – 2025)

Total Loans

Average Loan

$98,400

Total Volume

$1.0M

Default Rate

20.0%

Loans by Year

SBA 7(a) loan activity over time

* Data sourced from SBA 7(a) FOIA loan records. Default rate calculated from charged-off loans.

Franchisee Contacts

48 franchisee contacts on file from official FDD filings.

Name	Address	Phone	Email	SBA Loan
John Smith ABC Franchise LLC	123 Main St Anytown, CA 90210	(555) 123-4567	john@example.com	$350,000 2023 · Active
John Smith ABC Franchise LLC	123 Main St Anytown, CA 90210	(555) 123-4567	john@example.com	$350,000 2023 · Active
John Smith ABC Franchise LLC	123 Main St Anytown, CA 90210	(555) 123-4567	john@example.com	$350,000 2023 · Active
John Smith ABC Franchise LLC	123 Main St Anytown, CA 90210	(555) 123-4567	john@example.com	$350,000 2023 · Active
John Smith ABC Franchise LLC	123 Main St Anytown, CA 90210	(555) 123-4567	john@example.com	$350,000 2023 · Active

48 Contacts Available

Unlock all BIG APPLE BAGELS franchisee contacts with verified contact information

Due Diligence

Litigation (Item 3)

Franchisee Cases0

No litigation involving franchisees reported

Bankruptcy (Item 4)

Bankruptcy HistoryNo

No bankruptcy history reported

System Health (Item 20)

Franchise system changes reported in the most recent fiscal year

Terminations

Non-Renewals

Reacquired

Ceased Ops

Transfers

Sold to Franchisees

Projected New

Frequently Asked Questions

The total initial investment to open a BIG APPLE BAGELS franchise ranges from $512,500 to $745,000. This includes a franchise fee of $25,000. Ongoing royalty fees are 5.0% of gross sales.