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Chatime, by the numbers

Chatime appears in 10 SBA 7(a) loans since 2020 — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S3639)

10 deals since 2020 · typical deal $350K

10

Deals since 2020

$350K

Typical deal

8

Deals since FY2025

—

Too few deals to score risk

Chatime has 10 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Chatime

Most Chatime deals financed between $50K and $399K. Above $399K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$4,871
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

  • CJA Venture 1, LLC in Las Vegas, NV — $613K (2026) · First Bank of the Lake
  • CJA Venture 2 LLC in Las Vegas, NV — $535K (2026) · First Bank of the Lake
  • GULATEA LLC in Dallas, TX — $350K (2026) · The Huntington National Bank
  • GULATEA LLC in Dallas, TX — $50K (2026) · The Huntington National Bank
  • REALITEA LEAFS LLC in Houston, TX — $399K (2025) · The Huntington National Bank
  • KaSips LLC in Fairfax, VA — $380K (2025) · The Huntington National Bank
  • KaSips LLC in Fairfax, VA — $40K (2025) · The Huntington National Bank
  • REALITEA LEAFS LLC in Houston, TX — $35K (2025) · The Huntington National Bank
  • CHATIME KC LLC in Overland Park, KS — $232K (2021) · 22nd State Bank, A Division of 22nd State Banking Company
  • Lucky Leaf LLC in Nottingham, MD — $340K (2020) · Beacon Bank and Trust

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Chatime brand mark

Who funds Chatime — and where

Every dot is a financed Chatime — 10 mapped.

Financed Chatime locations — list all 10 as text
  • CHATIME KC LLC — Overland Park · $232K · FY2021 · All Other Specialty Food Stores
  • CJA Venture 1, LLC — Las Vegas · $613K · FY2026 · Snack and Nonalcoholic Beverage Bars
  • CJA Venture 2 LLC — Las Vegas · $535K · FY2026 · Snack and Nonalcoholic Beverage Bars
  • GULATEA LLC — Dallas · $350K · FY2026 · Snack and Nonalcoholic Beverage Bars
  • GULATEA LLC — Dallas · $50K · FY2026 · Snack and Nonalcoholic Beverage Bars
  • REALITEA LEAFS LLC — Houston · $35K · FY2025 · Snack and Nonalcoholic Beverage Bars
  • REALITEA LEAFS LLC — Houston · $399K · FY2025 · Snack and Nonalcoholic Beverage Bars
  • KaSips LLC — Fairfax · $40K · FY2025 · Limited-Service Restaurants
  • KaSips LLC — Fairfax · $380K · FY2025 · Limited-Service Restaurants
  • Lucky Leaf LLC — Nottingham · $340K · FY2020 · Snack and Nonalcoholic Beverage Bars

Top lenders for this brand

  1. 1.The Huntington National Bank(6)
  2. 2.First Bank of the Lake(2)
  3. 3.22nd State Bank, A Division of 22nd State Banking Company(1)
  4. 4.Beacon Bank and Trust(1)

Most active states

  1. 1.Texas (4 loans)Chatime lenders in Texas->
  2. 2.Nevada (2 loans)Chatime lenders in Nevada->
  3. 3.Virginia (2 loans)Chatime lenders in Virginia->
  4. 4.Kansas (1 loans)Chatime lenders in Kansas->
  5. 5.Maryland (1 loans)Chatime lenders in Maryland->

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Common questions

How much does a Chatime cost to buy or open?

The typical deal for Chatime is $350K across 10 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $39K of buyer cash on a typical deal.

How risky is Chatime?

Chatime has 10 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 Chatime with an SBA loan?

Yes — Chatime has been SBA-financed 8 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Chatime franchise

Most Chatime 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 Chatime deal financed for $350K, which points to about $39K of buyer cash on a typical purchase. Chatime is listed in the SBA Franchise Directory (identifier S3639), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Chatime — 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 Chatime — 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 Chatime — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Chatime is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 10 SBA 7(a) deals since 2020
  • $350K typical deal
  • 8 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S3639)
  • Top lenders: The Huntington National Bank, First Bank of the Lake, 22nd State Bank, A Division of 22nd State Banking Company

Next steps

Check SBA fitFind SBA lenders$9 lender report
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-08-02.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/chatime
API:
https://www.capbench.com/api/public/franchises/chatime
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 Chatime.

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