CFS Coffee, 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 S4113)
2 deals since 2020 · typical deal $144K
2
Deals since 2020
$144K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for CFS Coffee
Most CFS Coffee deals financed between $35K and $144K. Above $144K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $2,127
- Down payment (10%)
- $16K
- Cash to close (all-in)
- $21K
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 ~$21K)
Experience
Recent financings
- Elia Cafe LLC in Sanford, FL — $144K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $108K (75%)
- Approval → funding
- 5 days
- Approved
- 9/29/2023
- First disbursed
- 10/4/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
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- Elia Cafe LLC in Sanford, FL — $35K (2023) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $18K (50%)
- Approval → funding
- 6 days
- Approved
- 9/29/2023
- First disbursed
- 10/5/2023
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Snack and Nonalcoholic Beverage Bars
Funded by The Huntington National Bank · Lender record →
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Who funds CFS Coffee — and where
Every dot is a financed CFS Coffee — 2 mapped.
Financed CFS Coffee locations — list all 2 as text
- Elia Cafe LLC — Sanford · $35K · FY2023 · Snack and Nonalcoholic Beverage Bars
- Elia Cafe LLC — Sanford · $144K · FY2023 · Snack and Nonalcoholic Beverage Bars
Top lenders for this brand
Most active states
- 1.Florida (2 loans)
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Common questions
How much does a CFS Coffee cost to buy or open?
The typical deal for CFS Coffee is $144K across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $16K of buyer cash on a typical deal.
How risky is CFS Coffee?
CFS Coffee has 2 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 CFS Coffee with an SBA loan?
Yes — CFS Coffee 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 CFS Coffee franchise
Most CFS Coffee 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 CFS Coffee deal financed for $144K, which points to about $16K of buyer cash on a typical purchase. CFS Coffee is listed in the SBA Franchise Directory (identifier S4113), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund CFS Coffee — 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 CFS Coffee — 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 CFS Coffee — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. CFS Coffee is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 2 SBA 7(a) deals since 2020
- $144K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S4113)
- Top lenders: The Huntington National 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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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with CFS Coffee.