Aroma Joe's, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S0135)
14 deals since 2020 · typical deal $348K
14
Deals since 2020
$348K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Aroma Joe's
Most Aroma Joe's deals financed between $300K and $532K. Above $532K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $4,843
- Down payment (10%)
- $39K
- Cash to close (all-in)
- $52K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$52K)
Experience
Recent financings
- Fuel Me Up 2, LLC in Augusta, ME — $1.8M (2024) · TD Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8% fixed
- Term
- 288 mo (24 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 112 days
- Approved
- 9/27/2024
- First disbursed
- 1/17/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Existing or more than 2 years old
- Industry
- Limited-Service Restaurants
Funded by TD Bank, National Association · Lender record →
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- Pine to Palm Coffee, LLC in Land O Lakes, FL — $532K (2024) · Centennial Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $399K (75%)
- Approval → funding
- 28 days
- Approved
- 3/6/2024
- First disbursed
- 4/3/2024
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 29
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Centennial Bank · Lender record →
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- Fuel Me Up, LLC in Augusta, ME — $1.2M (2023) · Kennebunk Savings Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.09% fixed
- Term
- 192 mo (16 yrs)
- SBA guaranteed
- $920K (75%)
- Approval → funding
- 32 days
- Approved
- 1/27/2023
- First disbursed
- 2/28/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 24
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Kennebunk Savings Bank · Lender record →
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- Levex Holdings LLC in Turner, ME — $928K (2023) · Androscoggin Savings Bank
- Program
- 7a General
- Rate at approval
- 6.65% variable
- Term
- 252 mo (21 yrs)
- SBA guaranteed
- $696K (75%)
- Approval → funding
- 5 days
- Approved
- 4/20/2023
- First disbursed
- 4/25/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Androscoggin Savings Bank · Lender record →
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- Riley Roo and Mishka Too LLC in Salisbury, MA — $250K (2023) · Newburyport Five Cents Savings Bank
- Program
- 7a General
- Rate at approval
- 9.5% fixed
- Term
- 66 months
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 5 days
- Approved
- 5/10/2023
- First disbursed
- 5/15/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- New Business or 2 years or less
- Industry
- Limited-Service Restaurants
Funded by Newburyport Five Cents Savings Bank · Lender record →
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- Levex Inc. in Turner, ME — $220K (2023) · Androscoggin Savings Bank
- Program
- 7a General
- Rate at approval
- 6.65% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $165K (75%)
- Approval → funding
- 11 days
- Approved
- 4/20/2023
- First disbursed
- 5/1/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Androscoggin Savings Bank · Lender record →
Your business? Claim this record · Request removal
- Levex Inc. in Turner, ME — $40K (2023) · Androscoggin Savings Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9% variable
- Term
- 72 mo (6 yrs)
- SBA guaranteed
- $20K (50%)
- Approval → funding
- 21 days
- Approved
- 4/10/2023
- First disbursed
- 5/1/2023
- Loan status
- Paid in full (1/31/2025)
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Androscoggin Savings Bank · Lender record →
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- Realejo 4 MA 2, Inc. in Mansfield, MA — $435K (2022) · Mechanics Cooperative Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $326K (75%)
- Approved
- 3/7/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 24
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Mechanics Cooperative Bank
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- Realejo 4 MA 1, Inc. in Swansea, MA — $459K (2021) · Mechanics Cooperative Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $413K (90%)
- Approval → funding
- 2 days
- Approved
- 9/8/2021
- First disbursed
- 9/10/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- New Business or 2 years or less
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by Mechanics Cooperative Bank
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- Rope Tow Holdings LLC in Portsmouth, NH — $348K (2021) · KeyBank National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5.74% variable
- Term
- 126 months
- SBA guaranteed
- $261K (75%)
- Approval → funding
- 14 days
- Approved
- 9/16/2021
- First disbursed
- 9/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Offices of Other Holding Companies
Funded by KeyBank National Association · Lender record →
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Who funds Aroma Joe's — and where
Every dot is a financed Aroma Joe's — 12 mapped.
Financed Aroma Joe's locations — list all 12 as text
- Aroma Joe's Tewksbury, LLC — Tewksbury · $300K · FY2021 · Limited-Service Restaurants
- Currier Capital, Inc. — Lewiston · $312K · FY2021 · Snack and Nonalcoholic Beverage Bars
- Fuel Me Up, LLC — Augusta · $1.2M · FY2023 · Limited-Service Restaurants
- Pine to Palm Coffee, LLC — Land O Lakes · $532K · FY2024 · Snack and Nonalcoholic Beverage Bars
- Fuel Me Up 2, LLC — Augusta · $1.8M · FY2024 · Limited-Service Restaurants
- Levex Inc. — Turner · $40K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Levex Inc. — Turner · $220K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Levex Holdings LLC — Turner · $928K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Riley Roo and Mishka Too LLC — Salisbury · $250K · FY2023 · Limited-Service Restaurants
- Aroma Joe's Tewksbury, LLC — Tewksbury · $300K · FY2020 · Limited-Service Restaurants
- Aroma Joe's Tewksbury, LLC — Tewksbury · $300K · FY2020 · Limited-Service Restaurants
- Rope Tow Holdings LLC — Portsmouth · $348K · FY2021 · Offices of Other Holding Companies
Top lenders for this brand
1.Kennebunk Savings Bank(4)
2.Androscoggin Savings Bank(3)
- 3.Mechanics Cooperative Bank (2)
4.Machias Savings Bank(1)
5.Centennial Bank(1)
Most active states
- 1.Massachusetts (6 loans)
- 2.Maine (6 loans)
- 3.Florida (1 loans)
- 4.New Hampshire (1 loans)
Represent Aroma Joe's?
Claim this brand page free to keep the numbers in context, add your story, and hear about qualified buyers early.
Common questions
How much does a Aroma Joe's cost to buy or open?
The typical deal for Aroma Joe's is $348K across 14 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $38K of buyer cash on a typical deal.
How risky is Aroma Joe's?
Aroma Joe's has 14 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Aroma Joe's with an SBA loan?
Yes — Aroma Joe's has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Aroma Joe's franchise
Most Aroma Joe's buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Aroma Joe's deal financed for $348K, which points to about $38K of buyer cash on a typical purchase. Aroma Joe's is listed in the SBA Franchise Directory (identifier S0135), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Aroma Joe's — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Aroma Joe's — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Aroma Joe's — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Aroma Joe's is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 14 SBA 7(a) deals since 2020
- $348K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0135)
- Top lenders: Kennebunk Savings Bank, Androscoggin Savings Bank, Mechanics Cooperative Bank
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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Represent Aroma Joe's?
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Aroma Joe's.