What closing fees must an Aunt Millies Bakeries franchisee pay when financing the franchise fee?

According to Aunt Millies Bakeries's 2025 Franchise Disclosure Document, franchisees who opt to finance a portion of their initial franchise fee through First Capital Acceptance Corp. will incur specific closing fees. These fees consist of 1/2% of the total loan amount, designated as an origination fee, and an additional $350 as a loan fee. Both of these fees can be included in the financing, meaning the franchisee does not necessarily need to pay them upfront out-of-pocket.

Alternatively, Aunt Millie's Bakeries has also made arrangements through Distribution Services of America, Inc. (DSA) to offer financing covering the remaining 10% of the initial franchise fee. If a franchisee chooses this option, they must pay $400 to DSA as a loan origination fee at closing.

It is important to note that the availability and terms of financing through both First Capital and DSA are subject to the franchisee meeting their respective credit requirements. These financing options are presented as optional arrangements, and Aunt Millie's Bakeries does not guarantee or endorse them in any way. Prospective franchisees should carefully review the terms and conditions of each financing option and consider their own financial circumstances before making a decision.