SBA directory record
Panera Bread
Meets the FTC franchise definitionCertification received by SBA
Public record facts
- SBA franchise identifier
- S3201
- SBA reference number
- 4365
- Directory start date
- June 11, 2018
- Recertified date
- Not reported
- Meets FTC franchise definition
- Yes
- Franchisor/distributor certification
- Received by SBA
SBA notes
1. Applicant franchisees are only eligible if operating under the Franchise Agreement for this system and not the Area Developer Agreement. 2. Exhibit F Purchase Option Addendum may not be executed with any SBA-financed loan.
Source and limitations
This profile reproduces factual fields from the U.S. Small Business Administration Franchise Directory, effective August 20, 2026. The SBA says placement is not an endorsement, approval, or assurance of success.
The directory establishes SBA financing eligibility context; it does not tell you the investment cost, earnings, franchisee satisfaction, litigation risk, territory availability, or whether this opportunity fits you.
Check the current SBA source →