May Cinnabon modify the Franchise Agreement to comply with SBA requirements for a Cinnabon franchisee to participate in certain SBA loan programs?

According to the 2025 Cinnabon Franchise Disclosure Document, Cinnabon participates in the SBA's Franchise Directory. To enable franchisees to participate in certain SBA loan programs, Cinnabon may modify the Franchise Agreement if necessary to comply with SBA requirements.

This is a significant benefit for prospective franchisees, as SBA loans often offer more favorable terms than conventional financing. By being part of the SBA Franchise Directory and being willing to modify the agreement, Cinnabon demonstrates a commitment to helping franchisees access funding.

However, it's important to note that Cinnabon does not offer direct financing to franchisees. Instead, they may refer franchisees to leasing or financing companies that are not affiliated with Cinnabon. Cinnabon also states that they will not guarantee any franchisee's note, lease, or obligation for any lender or entity. Franchisees should carefully review the terms and conditions of any financing offered through these referrals and understand that Cinnabon is not responsible for the consultant's provision of services.