{"ok":true,"canonical_url":"https://www.capbench.com/franchises/hteao","api_url":"https://www.capbench.com/api/public/franchises/hteao","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-17","timezone":"America/Chicago"},"methodology":{"label":"Franchise financing & failure-rate methodology","url":"https://www.capbench.com/methodology/franchise-risk"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","CapBench lender and franchise enrichment"],"franchise":{"brand":"HTeaO","slug":"hteao","url":"https://www.capbench.com/franchises/hteao","sbaLoansSince2020":57,"businessPurchases":0,"typicalDeal":740000,"dealRange25th75th":[242400,1970500],"avgRatePct":7.94,"failureRatePct":0,"loansSinceFY2025":26,"topLenders":[{"name":"Bank Five Nine","count":15,"url":"https://www.capbench.com/lenders/bank-five-nine"},{"name":"BancFirst","count":8,"url":"https://www.capbench.com/lenders/bancfirst"},{"name":"The Huntington National Bank","count":5,"url":"https://www.capbench.com/lenders/the-huntington-national-bank"},{"name":"Amistad Bank","count":4,"url":null},{"name":"Capital Certified Development Corporation","count":2,"url":"https://www.capbench.com/lenders/capital-certified-development-corporation"}],"topStates":[{"count":35,"state":"TX"},{"count":10,"state":"OK"},{"count":5,"state":"AZ"},{"count":3,"state":"TN"},{"count":2,"state":"FL"},{"count":2,"state":"MO"}],"recentDeals":[{"borrower":"Tily Tea Company, LLC","city":"Northlake","state":"TX","amount":1970500,"fiscalYear":2026,"businessPurchase":false,"lender":"Northwest Bank"},{"borrower":"HERBTEA, LLC","city":"Cedar Park","state":"TX","amount":150000,"fiscalYear":2026,"businessPurchase":false,"lender":"Meadows Bank"},{"borrower":"Shumu TX Holdings Corp.","city":"Harker Heights","state":"TX","amount":150000,"fiscalYear":2026,"businessPurchase":false,"lender":"Bank Five Nine"},{"borrower":"RALPH AND SARAH PARTNERS LLC","city":"Port Isabel","state":"TX","amount":150000,"fiscalYear":2026,"businessPurchase":false,"lender":"Bank Five Nine"},{"borrower":"ZTeaO, LLC","city":"Tucson","state":"AZ","amount":125000,"fiscalYear":2026,"businessPurchase":false,"lender":"Bank Five Nine"},{"borrower":"LEVITEA LLC","city":"Altus","state":"OK","amount":100000,"fiscalYear":2026,"businessPurchase":false,"lender":"Bank Five Nine"},{"borrower":"Tily Tea Company, LLC","city":"Northlake","state":"TX","amount":50000,"fiscalYear":2026,"businessPurchase":false,"lender":"Northwest Bank"},{"borrower":"SusTEAta, LLC","city":"San Antonio","state":"TX","amount":2836000,"fiscalYear":2025,"businessPurchase":false,"lender":"Amistad Bank"},{"borrower":"Vallarm, LLC","city":"Temple","state":"TX","amount":2518500,"fiscalYear":2025,"businessPurchase":false,"lender":"Amistad Bank"},{"borrower":"INFINNITEA, LLC","city":"Glendale","state":"AZ","amount":2490000,"fiscalYear":2025,"businessPurchase":false,"lender":"Bank Five Nine"}]},"for_agents":{"mcp_endpoint":"https://www.capbench.com/api/mcp","docs":"https://www.capbench.com/for-agents","recommended_next_step":"Buyers considering a HTeaO purchase typically confirm SBA fit, then find the lenders most active with the brand and pre-qualify before signing. CapBench can arrange a lender introduction — free for buyers.","next_actions":[{"action":"evaluate_franchise_sba_fit","label":"Check SBA fit","description":"Evaluate whether a HTeaO purchase is SBA-financeable.","mcp_tool":"evaluate_franchise_sba_fit","args":{"franchise_brand":"HTeaO"},"web_url":"https://www.capbench.com/franchises/hteao?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_fit"},{"action":"find_franchise_sba_lenders","label":"Find SBA lenders","description":"Find SBA lenders active with HTeaO.","mcp_tool":"find_franchise_sba_lenders","args":{"franchise_brand":"HTeaO"},"web_url":"https://www.capbench.com/franchises/hteao?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_lender_match"},{"action":"unlock_franchise_lender_report","label":"$9 lender report","description":"Unlock the $9 Full HTeaO SBA Lender Report (matched lenders, comparables, benchmarks).","mcp_tool":"preview_franchise_sba_fit","args":{"franchise_brand":"HTeaO"},"web_url":"https://www.capbench.com/franchises/hteao?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_report"}]},"caveats":["CapBench data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"CapBench franchise financing record","url":"https://www.capbench.com/franchises/hteao","source_type":"CapBench Data"}}